Karla Salmon Insurance is proud to serve the insurance needs of the greater Oviedo, FL area. We want to help you protect your home and offer a range of different homeowner’s policies. If you want to learn more about the available options, give us a call today!

Homeowner’s insurance in Florida

Our homes are likely the largest investment we make during our lifetime, and it only makes sense to protect them. If you are a Florida resident, you may be wondering how you can find the proper homeowner’s policy for your needs.

Choosing the right policy for your family home does not need to be confusing. You will need to consider the house’s value and its contents to start. When you have a better idea of the amount of insurance you will need, you can begin to review the various available policies.

There is no right or wrong answer for insurance, but you will want to have your needs covered. When you meet with your local agent, you can better understand your needs and how to meet them best. Anyone buying their first home should meet with their insurance agent as soon as possible.

Our homes are sanctuaries, and having the right insurance to protect them is an integral part of responsible homeownership. Find out more about your options today! 

Protect your home with the proper homeowner’s policy

If you want to make sure that your home has the protection it needs, the team at Karla Salmon Insurance is here to help! Oviedo, FL area residents can count on us for their insurance needs. Call or stop by today!

At Karla Salmon Insurance, we always want your Oviedo, FL home to receive the protection from homeowner’s insurance it deserves. We want to address the importance of updating your policy with us when you renovate or remodel your home.

Understanding the Value

When you purchased your home, you also purchased a home insurance policy, which insured your property as-is. That means your insurance policy insures your home as it was when you purchased it. If you read your policy in full, you’ll see that it specifies your home’s value. That value changes when you renovate or remodel.

If one of the perils named in your policy occurred today, your policy would pay you for the value of your home named in the policy documents. That means you would receive the amount of your home as you purchased it, even if you had poured $100,000 into remodeling it. You might have put in a new kitchen, added a bathroom, and converted the attic to a bedroom and bathroom, but if you did not update your insurance with us, we know and add to the policy that added value, it isn’t covered.

We recommend that when you consider making renovations, you contact us. We can help you with a construction policy that covers your added liability while having construction workers in the home. We can also update your home policy as soon as the renovations finish and receive a review from the city code enforcement office.

We also recommend taking a close look at the language used in your policy. Whether the policy provides actual value or current value makes a difference in the amount you would receive for repairs or rebuilding if a peril, such as a fire or a tornado occurred and your home incurred damage.

Contact Karla Salmon Insurance serving Oviedo, FL for more information on updating your home policy. Renovation isn’t the only reason to update it. Call us today!

Building a home inventory is a daunting task, and we accumulate so much stuff that the idea of cataloging every item and making a record of it sounds like the worst kind of tedium. Despite that, you should create and maintain yours for a few critical reasons. 

To accurately assess your insurance needs.

Whether you are a renter or property owner, it’s important to understand just how valuable your property is to make educated decisions about how much coverage you should carry. You do not want to find out belatedly that your insurance limits are insufficient to replace or repair property lost to disaster, theft, or vandalism. Feel confident in your insurance purchases by keeping an updated, remotely stored home inventory. 

To know if you need to schedule property.

Scheduled property is a fancy term that means costly items are covered. Scheduled property endorsements usually apply to high-value items like expensive electronics, jewelry, artwork, and firearms. While doing your home inventory, note your possessions of significant worth and discuss picking up an endorsement to protect those items in case of a loss with your agent.

To be prepared in the event of a claim.

You don’t want to be scrambling to remember what you owned and how much it was worth after a loss. If you don’t keep an updated inventory, you could lose out on otherwise claimable assets, which translates directly into cash in your pocket for repairs or replacement. Having an inventory makes the claims process much smoother, faster, and likely results in higher reimbursement. 

Oviedo, FL homeowners and renters looking to get started on, or update a home inventory, don’t wait. Call or stop by Karla Salmon Insurance today to speak with a friendly agent happy to answer your questions. Make your homeowner’s policy count.

Whether you have a pup already or are considering obtaining one, it’s worth understanding how a dog can influence your home insurance policy in Oviedo, FL.

The Owner is Liable 

If your pooch is involved in a biting incident, Florida law allows any person bitten in a public place or while lawfully in a private area the right to collect damages from the owner. That can include medical bills, lost wages, and other expenses. In short, it can add up quickly. 

Is Your Pup Covered?

Some liability protection likely exists in your homeowner’s policy. However, there are possible exclusions, and your policy limits may not be high enough to protect you from financial fallout should your family pet be unexpectedly aggressive. Check to see if your dog’s breed is on a restricted list. Some insurers don’t have breed restrictions at all; instead, they insure based on your pet’s biting history. Some refuse to cover dog bites entirely. It is essential to know what your insurer offers before an injury occurs.

Consider Additional Coverage

There are a few additional coverage options homeowners can consider to protect themselves against potentially catastrophic financial damage from a dog bite:

• Umbrella policies can add to your pool of available funds to pay for damages, not just from dog bites but from other claims that exceed your usual limits.
• Canine liability policies exist to provide additional protection for pet owners. 
• Excess coverage can expand your limits. 

The best way to determine your coverage options is to speak with an agent to help you navigate your policy details. When you are ready to pick up your new pup, be sure to call or stop by Karla Salmon Insurance to make sure your family, including your new best friend, is adequately covered. 

Home insurance that is also known as homeowner’s insurance is a type of property insurance, the purpose of which is to protect your home, you as a homeowner, and your personal belongings. In the state of Florida, it is not required to carry home insurance, but your mortgage lender may require it. If you are considering getting this type of insurance, and you want to know more about it, Karla Salmon Insurance serving clients in Oviedo, FL prepared information about what home insurance does and does not cover. 

What Is Covered By Standard Home Insurance?

Generally, standard home insurance includes six types of coverage:

• Dwelling – damage to your home and attached structures
• Other structures, including certain stand-alone structures, such as a shed or fence. 
• Personal property. Home insurance pays for the repair and replacement of stolen or damaged personal belongings. 
• Liability. It protects you against lawsuits for injury or unintentional property damage that you or your family members caused to other people. 
• Additional living expenses. It pays for your temporary living while your home is being repaired. 

What Is Not Covered By Standard Home Insurance?

Usually, most standard home insurance policies do not cover:

• Wear and tear. Home insurance covers only accidental or sudden damage. 
• Negligent home care. If you did not take care of your home property and this caused problems, your insurance will not cover it. 
• Poor installation. If systems, structures, or appliances were not installed properly, this will not be covered by insurance. 

Karla Salmon Insurance – We Are Ready To Take Care of Your Home

Are you a homeowner living in Oviedo, FL or any other nearby town? Are you looking for home insurance? Then you should contact our insurance agency. Our professional and knowledgeable insurance agents will answer all of your questions and help you find a perfect policy based on your budget and personal preferences. Feel free to visit our website or call us.