Your home is where your heart—and much of your money—is. Ensuring your home and belongings are protected is essential, and homeowners insurance can help you financially recover if you experience a covered loss. Reach out to McKee Insurance Agency to learn more about how we can help Tallahassee homeowners get the coverage they need. 

What Is Homeowners Insurance? 

 

Homeowners coverage is a package policy that includes both property protection and liability coverage. This type of insurance helps financially protect you should you experience damage or loss to your dwelling, structures on your property and your personal property. It also provides financial protection against any bodily injury or property damage claims for which you may be liable. Finally, it can also provide coverage for additional living expenses if your home is damaged, and you must live elsewhere while repairs are made.  

Can I Customize My Home Insurance Coverage Based on My Needs? 

 

You can work with McKee Insurance Agency to tailor a homeowners insurance policy to fit your needs. The coverage protections included in standard home insurance generally include the following: 

• Liability protection—This portion of your policy may help pay for bodily injury and property damage you or a listed party on your policy cause. It may also help cover the costs associated with a third party’s injury on your property, including court costs and awards up to your policy limit. The liability portion of your policy may also help pay your court costs and any awards up to your policy’s limit. Some people may buy an additional umbrella insurance policy for broader coverage, including claims for libel and slander.
• Personal belongings—This portion of your policy may help cover the repair or replacement costs for furniture, clothing, sports equipment and other personal items stolen or damaged by a covered incident. If you have expensive or high-value items, you may add a personal property endorsement or floater to insure more expensive items for their appraised value.
• Property structure—This portion of your policy may help cover the costs associated with repairing or rebuilding your home if it’s damaged or ruined by a covered event. The policy may extend coverage to detached structures on your property, including garages or gazebos. Damage caused to your property’s structure due to hurricanes, flooding or windstorms may not be covered under the standard home insurance policy. Talk to your agent about securing additional lines of coverage for those incidents. 
• Additional living expenses—This portion of your policy may help pay for your living costs if you must live elsewhere because of a covered incident. Your hotel bills, meals and other living expenses may be covered up to your policy limit.  

Depending on your needs, you may need to add extra protections in the form of an endorsement to your policy for additional coverage. Work with McKee Insurance Agency to navigate your insurance needs and build a policy that works for you. 

What Factors Determine the Cost of Home Insurance? 

 

Several factors influence the cost of home insurance. These factors include, but are not limited to, the dwelling coverage amount, location of the home, construction and age of the property, deductible amount, home security features, claims history, credit score and additional coverages and endorsement. McKee Insurance Agency will compare quotes from different insurance carriers for you to help you find the best coverage and pricing for your specific needs and budget. 

How Can I Obtain Home Insurance Quotes for My Property?  

 

McKee Insurance Agency can help ensure your home and belongings have the protection that will give you peace of mind. Call 850-224-6055 to speak with one of our agents about homeowners insurance and get your free quote today.