Enhanced Coverage Options: Protecting What Matters Most

Living in Florida means enjoying beautiful coastlines and vibrant communities, but it also means facing unique risks to your home and valuables. Standard insurance policies may not always provide the level of protection you need. Fortunately, you can often tailor your policy’s coverage limits to better safeguard your most valuable assets.

Specialized Jewelry Coverage

Standard homeowner’s insurance often limits coverage for high-value items like jewelry. Enhanced jewelry insurance can provide higher limits, low deductibles (sometimes $0), and even protection for mysterious disappearance so that your treasured pieces are covered for every situation. This specialized coverage offers peace of mind knowing your valuables are financially protected beyond the basics.

Additional Limits for Homeowner’s Insurance

Florida’s weather and property values can make standard policy limits insufficient. Securing additional coverage for your home can help make sure that rebuilding costs, personal belongings, and unique features are covered for their full values. By increasing your policy limits, you may avoid unexpected out-of-pocket expenses after a loss.

Excess Liability and Umbrella Insurance

Accidents can happen, and lawsuits can quickly exceed the liability limits of your homeowner’s or auto policy. Excess liability insurance (often umbrella insurance) provides greater limits of protection, covering legal fees, settlements, and damages that go beyond your primary policies. This is especially important for residents with significant assets or public-facing roles.

Loss Assessment Coverage

If you live in a condominium or a neighborhood with a homeowners association, you may be responsible for a share of damages to common areas or lawsuits against the association. Loss assessment coverage helps pay your portion of these unexpected costs, protecting your finances from large, shared expenses.

How We Can Help

Our team at Harbor Star Insurance, LLC can help you understand your options and tailor coverage to your needs. Contact us today to discuss enhanced coverage options for your home and valuables.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.