Homeowners Insurance in Daytona Beach, FL

single family home in south floridaAccidents can happen in the blink of an eye and without warning, which means being prepared is essential. Your home is one of the most important things in your life, and it only takes once for something to happen to it. Commercial Coverages, Inc. understands that homeowners insurance in Daytona Beach, FL, can be confusing, which is why we work one-on-one with you to help you find the perfect policy that fits your needs.

Our offerings include mobile or manufactured home insurance because we believe everyone deserves financial security in their home. When you get in touch with us, you can receive free home insurance quotes so you know what you’re getting before you commit, and you’re welcome to ask as many questions as you need.

What Is Homeowners Insurance Coverage?

Our insurance provides financial protection against disasters. A standard policy insures the home itself and what you keep inside it. Another option is a package policy. This covers both damage to your property and your liability or legal responsibility for any injuries and property damage that you, your household pets, or your family members cause to other people.

Most disaster damage is covered, but there are exceptions. The most significant exceptions are floods, earthquakes, and poor maintenance. You need separate plans for flood and earthquake coverage, and maintenance-related problems are the homeowner’s responsibility.

Why Do You Need Home Insurance?

Insuring your home is all about protecting yourself financially if something unexpected happens to your house or possessions. You and your family want to know that if there’s a hurricane, fire, or some other disaster, that you’ll be financially secure. Chances are your home is one of your largest investments, so it only makes sense to protect it as much as possible. We’ve outlined some examples of how and when you might need insurance:

  • If your home is destroyed by fire or damaged by a natural disaster, you’ll need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay the medical expenses.
  • If you’re a victim of theft and vandalism, insurance can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

Please remember that our homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent about what’s covered and be sure to read your policy, so you know exactly what’s included and what isn’t. We also encourage you to ask about hurricane deductibles, as there are options available that are lower than the standard 2%.

We’re here to help you protect your home. Contact us to get started.