Homeowners Insurance Quote Forms
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Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
Insurance for Homeowners Across Florida
Florida presents a range of dangers for homeowners when it comes to bad weather. It is crucial to protect your home with the insurance policy tailored specifically for your needs and your budget.
Wiglesworth-Rindom Insurance Agency works closely with homeowners to evaluate your risks and tailor a policy to protect your home and your family.
What Does Homeowners Insurance Cover?
A basic home insurance policy typically includes coverage for four main areas:
Dwelling insurance covers the physical home and its attached structures in case of damage caused by fire, wind, hail, lightning, smoke, vandalism and more. This insurance can also cover certain unattached structures such as sheds and garages.
You should generally have enough dwelling insurance to cover the total replacement cost value of your home.
Personal belongings coverage provides compensation for loss of or damage to your personal items such as furniture, clothes, electronics, decorations and more. This coverage covers a lot of the same dangers covered under dwelling insurance such as fire, wind, hail, lightning, smoke, theft and vandalism.
Liability home insurance covers claims regarding bodily injury and property damage that may occur on your home’s property. If someone falls into the pool at your home and is injured, liability insurance can help pay for their medical bills and potential related lawsuits.
Additional Living Expense
Additional living expense coverage provides compensation for expenses related to temporarily moving if the home is rendered uninhabitable by a disaster. This can include hotel expenses and food.
What is Total Replacement Cost Value in Home Insurance?
The total replacement cost value of your home is how much it would cost to completely rebuild your home after a disaster, including building and material costs. It is recommended that you carry enough home insurance to cover this value so that you don’t have to worry about gaps in your homeowners insurance coverage when it comes time to file a claim.
Protect your Home Today
You and your home deserve the best policy you can find. Call Wiglesworth-Rindom Insurance Agency and speak to a dedicated agent today at (561) 637-2424 or fill out an online quote form to get started.
Common Home Insurance Questions
You can purchase homeowners insurance through monthly or annual premiums. As long as you pay your premiums and the policy is active, you can receive compensation for damages covered under your policy.
Unfortunately, home insurance can’t cover everything. Common exclusions under home insurance include flood damage and earthquake damage. There may also be limits concerning expensive items such as jewelry, furs and art. Speak with an insurance agent from Wiglesworth-Rindom Insurance Agency about adding coverage to your home insurance policy.
Home insurance may be required if you have a mortgage on your home. Some lenders require you to carry home insurance to cover your mortgage. Even without a requirement, however, homeowners insurance is crucial for protecting your home and everything in it.
Every homeowners’ insurance needs are different. In general, you should have enough homeowners insurance to cover the total replacement cost value of your home.