When you buy home insurance, you’re protecting more than the physical structure of your home. Depending on the coverage you choose, you can also protect your belongings. Find out more from a qualified agent at Jet Stream Insurance Group, LLC in Miami Lakes, FL. In the meantime, keep reading to learn more about using home insurance to safeguard your hard-earned personal property.
What Is Personal Property Coverage?
Personal property coverage is a subset of home insurance. It reimburses you if your home is burglarized or damaged from a covered event. Do you wonder what’s covered? Anything from clothes and electronics to the trampoline in your backyard may be included. Be sure to go over your options carefully with your insurance agent so that you can make the right choices and protect your prized possessions.
How Does It Work?
If you file a claim for a covered event, you may be subject to a deductible. The insurance company reimburses you for damages or stolen personal belongings up to the coverage limit. Typically, it covers the stuff in your garage, home, and items in your vehicle or hotel room while you travel. Personal property coverage handles events such as fire, wind damage, and theft.
Some things aren’t covered, including a fuse shortage that destroys your TV. However, you can purchase a home warranty to supplement your home insurance coverage for unexpected electrical surges and related events.
Types of Belongings Covered
Here are some of the items covered by your home insurance policy:
- Indoor and outdoor furniture
- Kitchen appliances
- Lawn care equipment
Find Home Insurance in Florida
Contact Jet Stream Insurance Group, LLC for more information on how to protect your belongings with home insurance. Let us set up an appointment to provide a free quote for your home in Miami Lakes, FL.