Home Insurance in Florida
Pritchards And Associates Inc. is an independent insurance agency that puts the needs of clients first. We try to understand the needs of clients and work to meet their expectations. We care about our industry and the local community we serve in Florida. We offer quotes for home insurance and other insurance policies. The following are some home insurance covers.
This insurance cover protects homeowners in Florida from the structural damage of property including damage to ceilings, floors, walls, and built-in appliances. It pays for repairs or rebuilding if the damage is caused by a covered peril. It typically covers; fire, theft, vandalism, snow or ice damage, explosion, and damage from motor vehicles. However, it does not cover problems arising from poor maintenance, floods or sewer backups.
This cover may pay for replacement costs of personal property if your property was lost as a result of covered perils. It basically covers what you have in your home including furniture, jewelry and clothing items.
This cover protects homeowners from having to incur financial loses if someone gets injured on their property or when they are legally responsible for the damage to other people’s property. It pays for legal fees in case a homeowner is sued and covers medical payments for those who are injured in the home of the policyholder.
Loss Of Use Coverage
It is also referred to as additional living expense coverage. When a home is damaged, a homeowner is forced to seek alternative housing options while their home is being repaired. This policy takes care of that. It covers extra housing costs that a homeowner in Okeechobee FL incurs when their house is rendered inhabitable by a covered peril.
This cover protects homeowners from loss of property as a result of floods because standard homeowners’ insurance does not cover it.
Visit our main office in Okeechobee, FL, or use our online rating tool to find quotes for home and auto insurance.