Homeowners Insurance FAQs in Sarasota, FL
Homeowners insurance can be complex and challenging to navigate. Beck Insurance Group is here to help Florida homeowners learn more about coverage, claims and how to make the most of their policy. Below, we’ve addressed some of the most frequent inquiries we receive.
What Does Standard Home Insurance Include?
A typical policy may cover the structure of your home and detached buildings, belongings, liability and temporary housing costs if your home becomes unlivable due to a covered event. Coverage details can differ, so reviewing your policy with our team is a good way to understand what’s included.
Are Floods and Hurricanes Covered?
Flood damage is typically excluded in standard home policies and requires separate coverage. Hurricane-related flood damage is also excluded, but wind damage is generally covered, though a separate deductible may apply.
How Are Premiums Calculated?
Home insurance rates often depend on many factors, including location, age of the home, building materials, coverage amounts and past claims. In coastal regions, exposure to storms and other weather events can also influence pricing.
What Are the Steps To File a Claim?
If your property is damaged or you experience a loss, reach out to us promptly. We can help you navigate the process, document the situation and communicate with your insurance provider to move things forward smoothly.
Can I Adjust My Home Insurance Policy?
Absolutely. We offer various options and add-ons to help you modify your coverage. We can help you increase liability limits, add coverage for high-value items or specific risks and more. Our agents are well-equipped to help you build a policy that aligns with your needs.
Get Started
Beck Insurance Group is dedicated to offering clear information, responsive service and dependable support to homeowners throughout Sarasota, FL and beyond. Contact us today.
