Homeowners Insurance in West Palm Beach, FL

Homeowners insurance can help financially protect your home in a disaster or accident. It’s also important to consider insuring your home to cover future repairs or replacements. Our agents at All County Insurance are ready to assist you with your homeowners insurance needs.

What Does Home Insurance Cover?

There are four main areas of coverage within homeowners insurance: 

• Structure of your home—This portion of your homeowners policy helps pay for repairing or rebuilding your home if it is damaged or destroyed by specific natural disasters. 
• Personal belongings—Your policy helps cover the cost of replacing your furniture, clothes, and other personal items if they are stolen or destroyed. 
• Liability protection—Coverage for this area protects against claims of or lawsuits arising due to bodily injury or property damage sustained on your property or caused by you or your family members to other people. The liability portion of your policy can cover costs to defend you in court. 
• Additional living expenses—This portion of your policy helps cover the costs of living elsewhere due to damage to your home caused by a disaster. 
  

Personal Belongings

How Often Should Jewelry Be Appraised for Insurance?

The value of your jewelry may fluctuate over time, so it’s important to have it appraised at regular intervals. The purchase receipt for your jewelry is not a substitute for an appraisal. 

Many insurers recommend getting a new appraisal every two to eight years. Your agent can help verify that your homeowners insurance would help cover any potential losses and update your insurance policy with the appropriate supporting documentation. You may find that you need to purchase additional coverage or add an endorsement to your policy to protect your jewelry. 

How Much Home Insurance Do I Need? 

If your home becomes damaged in a covered incident, you might want enough coverage to rebuild the structure of your home, help replace belongings and assist with living expenses if you’re unable to live in your home. The limits on your policy need to be high enough to cover all costs; otherwise, you’ll be paying expenses out of pocket. Your insurer will provide a recommended coverage limit, but it’s still beneficial to educate yourself because you know your home and belongings the best. 

The amount of coverage you choose will be a factor used to determine the price of your monthly premium. Reach out to an agent to learn more about your coverage limits.