HOMEOWNERS
INSURANCE
Home insurance safeguards your house and belongings from risks like fire, theft, storms, and other unexpected events. Plus, it can provide liability coverage if someone gets hurt on your property. At 4ward, we’ll work with you to customize a policy that protects what matters most—because your home is more than just a house
Coverage For Natural Disasters
We protect you according to the characteristics of your state, for example, Florida’s susceptibility to hurricanes and floods makes it important for homeowners to have insurance that covers these natural disasters. Standard policies typically include windstorm coverage but often exclude flood damage, leaving a gap that only a separate flood insurance can fill.
Policy Exclusions And Deductibles
Be aware of policy exclusions and specific deductibles that apply, especially for hurricane-related claims. For example, Florida policies may have separate hurricane deductibles, which are usually higher than standard ones. Understanding these details ensures you’re financially prepared if a storm or other unexpected event occurs.
Protection From Water Damage
Within 10 minutes, a licensed insurance agent will reach out to you. They'll ask a few questions to understand your situation what you need to protect, your budget, and any specific concerns you have.
INSURANCE HOME
Homeowners insurance is designed to protect your property and personal assets against various risks. Key terms and conditions typically include
Coverage Types
- Dwelling Coverage (Coverage A): Protects the structure of your home against covered perils.
- Other Structures (Coverage B): Covers detached structures like sheds and fences
- Personal Property (Coverage C): Safeguards your belongings within the home.
- Loss of Use (Coverage D): Provides additional living expenses if your home becomes uninhabitable due to a covered loss.
- Personal Liability (Coverage E): Offers protection against legal claims for bodily injury or property damage.
- Medical Payments to Others (Coverage F): Covers medical expenses for guests injured on your property.
Covered Perils and Exclusions
- Standard policies cover perils like fire, lightning, windstorms, and hail. Flooding is typically excluded.
Deductibles
- Policies may include specific deductibles for hurricanes, often higher than standard deductibles.
Policy Conditions
- Homeowners are responsible for maintaining their property and mitigating further damage after a loss. Timely reporting of claims and cooperation during the claims process are typically required
Premiums and Renewals
- Premiums are influenced by factors such as location, home value, and claims history. It's essential to review your policy documents carefully to understand the specific terms, conditions, and exclusions applicable to your coverage. A 4ward licensed insurance agent will provide personalized guidance tailored to your needs
Learn About Our Competitive Prices
FAQs
No. Flood damage is excluded from home insurance and requires a separate flood insurance policy for coverage. However, home insurance often covers water damage, which is different from flood damage. Water damage comes from internal issues, like burst pipes, while flood damage is caused by external sources, such as storm surges or flash floods.
Home insurance protects your home’s structure, belongings, and liability for accidents. It also covers additional living expenses if your home becomes uninhabitable due to a covered event.
Yes! Bundling your home and auto insurance can lead to discounts and streamlined coverage.
The amount depends on your home’s value, replacement costs, and the value of your belongings. We can help tailor a policy that works for you