What type of coverage do you need?

Orlando, FL - The Rogers were all excited, they got into their new home. They had finally found the right place in Lake Nona for their kids (and themselves) to enjoy a true community atmosphere with extraordinary amenities for the entire family and friends.

Their new place had nature, parks for the kids, sports facilities and phenomenal schools. Children made friends easily and they connected with other like minded families.

Lake Nona Insurance AgencyFamilies at Lake Nona Insurance

As you know, all pleasures come with worries attached.  Their Realtor® recommended them to get a homeowners policy to protect their property and most importantly, to fully enjoy the benefits of finally fulfilling their most envisioned desire; what most people would consider the True American Dream. This is pure common sense, but when it comes to protect your investments we can always use the advice of an insurance industry professional.

It didn’t seem complicated, but the fact that insurance requires you to think about bad occurrences made them feel

this was a real priority in the process!

You know how it is, “you play hard, you work hard” (or otherwise.) They quickly recognized how important it is to get protection against what could be the biggest surprise of their life.
Anything can happen anytime, and we all know it is better to be prepared.

The Rogers didn't want to put a price to their peace of mind but naturally, they had questions.

What does it cover?

A typical policy covers damage to your property and your possessions in the event of certain storms, fire, theft or vandalism. It also provides liability coverage if someone gets hurt on your property and decides to sue, just like a renter’s insurance.

As an amazing benefit and very importantly, a homeowners insurance may also cover shelter costs if you’re temporarily displaced from your house during a storm or any accident/ event covered in your policy. 

Homeowners insurance can protect belongings outside the home, too.
If something is stolen from your car, auto insurance won’t cover it—but your homeowners policy likely will.

Most people don’t know that some policies can also cover loss of belongings in your possession while traveling. Nevertheless, it is required that you file a claim with the airline as part of the protocol. Stay tuned to our blog section as we will continue to elaborate on details about this type of coverage. For the moment, if you have questions you can feel free to contact us and we will gladly assist you.

What is not covered?

Common exclusions may include:
Earth movements (landslides, earthquakes, sinkholes)
Power failure
Nuclear hazard
Government action
Faulty zoning

Bad repair or workmanship
Defective maintenance and flooding

Windstorms are usually covered, including tornadoes, although insurance companies exclude tornadoes or hurricanes in some high-risk areas. If you don’t know if your area is considered in high-risk, contact us to help you find the appropriate solution for your Water damage can be tricky. Normally, water from above (rainwater or a burst pipe in an upstairs apartment) is typically covered, while water from below (backed-up sewers or ground flooding) generally isn’t. If your region is prone to floods and earthquakes, you should consider supplemental coverage.

We were so happy to find the Rogers, as they said, “discovering that peace now surrounded their dream home.”

You, however, can discover all your options to protect your property and valuables. Our attentive personnel at Orlando Insurance Center is ready to welcome you and provide the assessment you need. Your local agent understands your community needs and the policy that is more suitable for your particular case.

Give us a call at (407) 680-1214 or visit www.OrlandoInsuranceCenter.com.

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