In the event of a disaster, it’s crucial to have enough homeowners insurance to help pay for necessary repairs, reduce costs if you can’t live in your home while it’s under construction and replace your damaged property.

Call C.J Noel. Insurance Services at 239-403-8391 to learn more about how to get the coverage you need for your home or condo in Florida.

Things To Consider When You Purchase Home Insurance

To get an adequate amount of coverage with your homeowners insurance policy, consider the following:

·       Home rebuilding costs. The style of your home, its size, building materials used during construction, special features like arched windows or fireplaces, and any improvements you’ve made to your house can impact how much it costs to rebuild your home after a disaster.

·       Difficult-to-replace features. If you own an older home with special features, such as ceiling and wall moldings that would be expensive or even impossible to replace, your agent may recommend insuring your home with guaranteed replacement cost coverage or an extended replacement cost policy.

·       Whether your home is up to code. Local building codes may have changed since your home was built, even if you own a newer build. Your agent may recommend an ordinance or law endorsement to help cover the costs of bringing a home up to code during a covered repair.

Get the Right Amount of Insurance for Your Personal Possessions

If you own computers, collectibles, art or jewelry, ask your agent if a standard homeowners insurance policy limits the coverage for those items. You may need to add coverage to ensure you get the help you need replacing valuables after a disaster.

Consider Your Additional Living Expenses (ALE) Coverage

If your must move out of your home to allow for significant repairs, ALE coverage helps pay for you to live somewhere else temporarily. It may cover restaurant meals, hotel bills and other living expenses. Talk with your agent about this coverage and make sure you have enough to help protect you from the financial repercussions of having to live away from home for a period of time.

Call Us Today to Get the Homeowners Insurance Coverage You Need

Florida homeowners face a number of unique situations that can be addressed by homeowners insurance. You may need to add flood or hurricane insurance or increase your liability protection with an umbrella policy. Talk with one of the agents at C.J. Noel Insurance Services in Naples, Florida, today to get the coverage you need.