Home Insurance

For Coral Springs, Ft. Lauderdale, and Palm Beach

What is Homeowners Insurance, and why is it so important? Simply stated, it is insurance for your home, which in many cases can be your most important possession. Taking out an insurance policy on your home is highly recommended; in fact, many would say it's a must. In the event of a natural disaster, accident, or theft, in cases in which you are not responsible for the damage or theft of your valuables, it is the insurance policy that can come to your rescue. In South Florida especially, with hurricanes each year posing a threat to your home, it is important that you have the proper coverage.

Understanding home insurance can be a bit tricky, and there are several different factors that go into a home insurance policy. If you live in South Florida, including Coral Springs, Ft. Lauderdale, or West Palm Beach, Innovative Insurance of Coral Springs is here to help make sense of what may be a bit complicated in your home insurance policy. Our agents are well versed in all aspects of homeowners insurance and we'll help you get the proper coverage and the best rate. If your home in Coral Springs, Ft. Lauderdale, or West Palm Beach, FL has an increase in premium larger than normal, give us a call, and we will shop the marketplace and find other quotes to make sure your home insurance premiums are in line.

Home insurance provides financial protection against disasters. A standard policy for a home in Coral Springs, Ft. Lauderdale, Palm Beach, or anywhere else throughout South Florida insures the home itself and the things you keep in it.

Home insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods and poor maintenance. You must buy a separate insurance policy for flood coverage. Maintenance-related problems are the homeowners' responsibility.

Having a home in Coral Springs, Ft. Lauderdale, Palm Beach means extra considerations when it comes to hurricanes. You should ask your agent whether your home is covered in the event that a hurricane causes damage to your home. At Innovative Insurance, we have the expertise to advise you on getting the proper coverage at the best rate available. We have many companies to choose from and are licensed to write a home insurance policy throughout Florida.

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