Homeowner’s insurance is not a luxury; it is a necessity and not just because it protects your home and properties against theft or damage. Effectively, all mortgage companies require borrowers to have insurance coverage for the full or fair value of property and will not make a loan or finance a residential real estate transaction without proof of it. Your expert is John Perry Insurance.

You do not need to own your home to need a homeowners insurance company in Southwest Florida; most land owners or landlords require their tenants to have a renter’s insurance coverage. But even if it is required or not, it’s a smart move to have, this kind of protection. John Perry Insurance will walk you through the basics of this type of policy.

Decide Insurability Before you Start Shopping

An agent will ask you these questions to determine insurability:

· When was the home built?
· What type of roof was used?
· What’s the square footage?
· How many claims have been filed over the past 5 years?
· Where is the home located?

How much Home Insurance Do You need?

Most agents uses a cost estimator to figure cost replacement estimates. This will ensure that your home is insured for the right amount. Home Insurance companies in Clewiston do not insure dirt. If you purchased a home that includes a large lot, do not be astonished when you receive an insurance policy for a lot less than what you paid for the home. Insurance agents often recommend 200% replacement cost coverage, which gives homeowners double the coverage.

Customize Policy to Your Needs

There are other choices that you can choose from when it comes to deciding on your home insurance policy. Liability coverage is a part of your homeowner’s insurance policy that is often overlooked.

Check for Available Discounts

Ensure that you are getting all of the credits for which you are eligible. Companies have different names for age preference policies, from senior discount to mature policy holder discount. The most common discount is the multi-policy discount. This will save you money on your home and auto insurance. By merging two policies with the same company, you are given a certain percentage discount on both.

Review your Policies Periodically

You may call your agent and review your homeowners insurance Fort Myers policy at least every three years. Needs change, markets change and coverages change. You should stay-up-to-date on your insurance because you never know when you will need to rely on it.

Being an independent agency, we have access to multiple insurance carriers. We will quote and compare your information with each company in order to give you the best possible rate. We offer auto insurance, home owners, renters insurance and flood insurance, business insurance, liability insurance, condominium association insurance, motorcycle insurance, recreational vehicle insurance and more. Contact us! 863-777-4966 (Clewiston), 239-204-3211 (Fort Myers), 863-588-7336 (Labelle), 863-824-5393 (Okeechobee)