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Making Sure Your Home Is Properly Insured – Homeowners Insurance

InsuranceMost of us never think about Homeowners Insurance, but life happens! And you never know when it will.

That’s why it’s important to be properly insured. Being over insured is a waste of money and being under insured could be financially devastating.  Your home is probably your single largest asset and you need to protect what you’ve worked so hard for.

To properly insure your home and possession we need to be aware of four main areas:

1.  Do I have enough to insure my home and to rebuild it in the event that it is destroyed?

Forget about market value and the property appraiser’s just value, your home needs to be insured to cover the cost of rebuilding at current construction costs.  Several items to take into consideration are:

Replacement Cost

Increased Replacement Cost

Ordinance or Law

Water Backup and Sump Overflow

Flood Insurance

Fungi, Mold, Wet/Dry Rot

2. Do I have enough insurance to replace all of my possessions?

Your homeowner’s insurance policy on a single-family residence in Florida generally covers your Personal Property for 50% of what you insured the Dwelling for in case of their being stolen or destroyed.  If you are unsure of the value of your personal possessions, you may consider going online and downloading a free version of some home inventory software.

Again, as with the dwelling, we first have to consider if you are insuring your possessions for Actual Cash Value or Replacement Cost.  ACV is just what it appears to be.  It’s the cost of replacing a covered item minus depreciation.  Replacement Cost on the other hand is what it would cost to replace the item with a like/similar item.  We’ll go further into detail in ensuing posts.

Other items that need to be considered are:

Personal Property Coverage

Replacement Costs on Contents

Home Computer Coverage

Additionally, do have quite a bit of jewelry?  Do you a stamp or coin collection?  How about artwork?  Do you have a gun collection?  Yes, you are covered for set amounts under your policy, but do you need more to properly insure these items?

3. Do I have enough coverage for additional living expenses?

This comes into play if you can’t live in your home due to some disaster and have to temporarily live elsewhere.  This does cover many items, but only over and above your regular living expenses.  Generally, you are allocated 20% of the Dwelling Coverage towards Loss of Use.

4. Do I have enough insurance to protect my assets?

Now we’ve talked about your home and personal possessions, but what about coverage against lawsuits for bodily injury or property damage.  Your Personal Liability Coverage generally is pegged at $100K, but you should definitely consider increased limits.  The coverage pays for defending you in court and any damages awarded the other party up to your policy limit.  Also, do you have enough Medical Payments coverage in case someone is injured on your property?

We’ve just touched on a bit about Homeowner’s Insurance.  Do you have a boat that you store on your property?  Do you run a business out of your home?

In future posts, we will delve more in depth into the main items we’ve brought up here today and into other aspects of Homeowner’s Insurance.

If you would like us to review your policy and coverage, we’d be more than happy to assist.

Marc It Insured!

Identity Theft Insurance Coverage….Did you know……

  Did You Know…. …that for as little as $25 you can add Identity Theft coverage to your Homeowners Policy? In short, Identity Theft coverage insures for up to $15,000 for expenses related to Identity Theft or Fraud. This includes up to $200/day for lost wages up to $5000. Additionally, it generally includes fees for reapplying for…

Orlando Home Sales Statistics for December 2014

December was an excellent month for Orlando home sales as they hit 2715 properties. Historically, the month of December shows an increase in closed sales from November, but this is the highest sales recorded in the past 8 years for a December. The available inventory did drop again from the previous month as well, yielding…

Orlando Home Sales Statistics for November 2014

Orlando home sales dropped from the previous month, but were no where shabby at 2243 for the month of November. Historically, the month of November shows a drop in closed sales from October. In fact, in the past eight years, only 2009 showed an increase during this time period. The available inventory did drop a…

Orlando Home Sales Statistics for October 2014

Orlando home sales were 2807 for the month of October. Generally, the month of October shows a drop in closed sales from September, but this year there was a slight increase. The available inventory also increased a little as well yielding an approximately 4.5 months supply. The Median and Average List and Sales Prices all…

Orlando Home Sales Statistics for September 2014

Orlando home sales were 2711 for the month of September. Generally, the month of September shows a drop in closed sales from August, but this year there was an increase of almost 7%!! The available inventory also decreased and the combination of the two yields a little over 4.5 months supply. The Median and Average…

Orlando Home Sales Statistics for August 2014

Orlando home sales were 2449 for the month of August which equates to a monthly drop of 100 sold properties from July. August does typically slow down from July and this is most likely due to the fact that most Central Florida schools start and second and third weeks. The available inventory increased approximately 1000…

Orlando Home Sales Statistics for July 2014

Orlando home sales were 2431 for the month of July which equates to a year over year and a monthly drop of 400 sold properties from June. The available inventory increased approximately 600 properties for sale to just over 12K, which represents just under 5 months supply. The Days on the Market increased by 2…

Our August Newsletter – Marc It Sold

Our August newsletter is out!! Don’t forget to take advantage of the Florida School Tax Holiday, August 1 – 3. Click on the link to see the expanded list of exemptions & remember they’ve increased some of the sales tax limits. Also, you’ll find your monthly Central Florida lawn care guide; Orlando and Florida rankings;…

Orlando Home Sales Statistics for June 2014

Orlando home sales were 2817 for the month of June which equates to a 6% increase year over year and 5% from the month of May. Additionally, ‘Normal’ sales were approximately 66% of this pie. The available inventory stands at 11,500 properties for sale, which represents 4 months supply. The Days on the Market decreased…