There is something about being a homeowner. Having a place that you can call your home comes with an unrivaled sense of fulfillment. But have you taken the necessary steps to safeguard your invaluable asset? Purchasing the right amount of home insurance coverage from Karla Salmon Insurance for your Oviedo, FL home is one of the best investment decisions you will ever make.

Because we understand that there is no one-size-fits-all home insurance, we will walk you through the following home insurance options to find the right coverage for you.

Dwelling coverage: It’s the basis for all homeowners. It covers the building itself, floors, roofs, walls, built-in ceilings, and any other structure attached to your house. It protects against several risks like fire, hail, theft, and vandalism. In case of a total loss, it can rebuild your home up to your policy limit.

Contents coverage: Covers personal belongings like electronics, furniture, and clothing. If a covered incident were to occur, you would get compensated for the lost/damaged items as defined by your policy.

Personal liability coverage: Protects you against bodily damage that occurs to third parties within your premises or elsewhere. Liability insurance also covers damages that you might have inflicted on the neighbor’s property.

The standard home insurance coverage doesn’t protect you against all perils despite your policy limit. With this in mind, it’s wise to consider the following optional home insurance coverages.

• Flood insurance protects your building and its contents against flood damage.
• Umbrella insurance covers excess liability when your typical insurance cover runs out.
• Other structures coverage covers detached structures like the gazebo, shed, and the swimming pool against damage.

Ready to get started with home insurance? Whether it’s a new or old home, at Karla Salmon Insurance located in Oviedo, FL, we will partner with you to find a home insurance solution that works best for you. Contact us today.