Homeowners Insurance Takes Many Different Forms
At Harris Insurance, our homeowners insurance covers more than just your home. We also have policies for:
- Condominium Unit Owners. We understand that it is the condominium association’s responsibility to protect everyone’s exterior property, but what about your property inside your condo unit? When you carry condominium coverage, it works just like traditional homeowners insurance. You are covered for your things such as personal belongings, liability, loss of use, and more. Whether you live in your condo all year long or use it as a second home, this type of Fort Myers, FL homeowners insurance is definitely to be considered.
- Renters Insurance. Too often, renters find out the hard way that they should have carried some type of renters insurance. Wherever you rent – a house, mobile home, condominium, or apartment – you need to protect yourself in the event of theft, fire, flood, or storm. This is especially the case if your possessions are valued and cannot be replaced. Just think about gifts you have received, items you collect, or hobbies you have invested in. With our Fort Myers renters insurance, all of your belongings are covered if something happens to them. That includes if you are the victim of a break-in or theft. Renters insurance can also cover items that have been taken from your house or vehicle.
- Landlord Protection. If you are a landlord and rent any type of property, it is worth it for you to check out our Landlord Insurance Dwelling Policy. Your rental properties are your business. When trouble occurs, we can help you address the challenges and get the revenue flowing again quickly.Our landlord insurance policies offer two coverage lines: property and liability. These policies will help you when you need replacement costs, loss of rental income, or even loss of structure use. The experienced team at Harris Insurance will show you how to evaluate each of the areas of your Fort Myers dwelling fire insurance policy so you will be prepared for the next time your property has a problem.
Fort Myers, FL Homeowner Insurance Options
We offer homeowners insurance policies that can also be supplemented with other options, which are important and worth careful consideration:
Ordinance and Law. This is already included in homeowner policies, but you may want to increase coverage for a little more peace of mind. This is because laws and codes are always changing and you want to be ready in the event of a catastrophe and your building has to be rebuilt.
Water Damage. Water damage tends to do more harm than most other types of damage. For a nominal charge, you can increase your coverage and have the protection you need in the event of water damage from leaks or failures in and around your home.
Service Line Coverage. For about $40/year, you can be protected against problems where electric, sewer, or water lines run into your home. If there is a problem, it can become extremely expensive to you and cause damage to the outside of your home as well.
Refrigerator Personal Property. At any given time, you probably have a few hundred dollars’ worths of food in your refrigerator and freezer. Know that if anything should go wrong, you are covered and for just the cost of coffee at your favorite shop.
Jewelry, Guns, and Fine Art. If you are a collector of these items, you will want to add to your existing homeowners policy. For the cost of an appraisal, we can see to it that your most prized possessions are covered against theft or any other type of mishap.
Equipment Breakdown. This is one add-on that everyone loves. Protect your TVs, HVAC systems, and other appliances with a small fee. Equipment Breakdown acts like a home warranty, but better.
Identity Theft. Add an identity theft resolution option for a very reasonable additional cost.
Animal Liability. For almost any problem that involves your pet(s), we can have you covered.
There are other options to consider as well, such as water backup, personal injury, screened enclosures, golf cart liability and hurricane deductibles. We advise that you should be ready at all times. Be prepared when it comes to your home and property and have the peace of mind you so richly deserve.
Harris Insurance has been protecting Fort Myers as well as other Florida residents since 1965 with our homeowners insurance policies. Let our team show you how to protect your property. Contact us today.
