Sev Shoon Insurance

Artististic view of Florida Insurance


Sev Shoon Insurance

Artististic view of Florida Insurance

Can I cover my art with home insurance in Florida?

Everyone is aware that a basic home insurance in Florida policy covers personal property. Personal property includes furniture, electronics, furniture, books, and even your art collection, sort of. Florida home insurance will only cover your personal property up to a certain limit.

Let’s say you have $50,000 in personal property coverage. You may find out that some items, such as your art collection, will only provide up to $2,000 in coverage for the art alone. What happens if your collection is worth more than that? Will you still be covered?

Along with your home insurance in Florida from, you may decide to go ahead and purchase a rider. What is an insurance rider? A rider, AKA a floater or endorsement is an add on to your policy.

A common type of rider is known as a scheduled personal property coverage. This can provide you with additional coverage for items that are worth more than the limit stated in your policy, such as your art collection. In fact, sometimes riders can provide you with coverage for items not usually covered by a standard policy.

In addition, a rider can provide more coverage as it protects against more risks. In order to add a rider to your FL home insurance you will need to have your art collection appraised. That way you can insure it for the proper amount.

Florida home insurance can easily provide you with protection you need for your everyday personal property items. This includes your furniture, electronics, clothing, and much more. Remember how important home coverage is, especially in the state of Florida. Florida is home to so many risks, which makes purchasing coverage a must!

If you are in the market for a home policy. Follow these steps in order to find the right policy for you. The first step is to stop and think about how much coverage you will need for your FL home. Many shoppers decide to jump on in without thinking about this first. That is a big mistake.

Next, collect a few Fl home insurance quotes at Quotes are going to be your best friend when it comes to finding a policy that’s right for you. A quote is an estimated amount of what you will pay each month for home coverage. There are plenty of websites that can help you collect the right quotes all at once!

Finally, before deciding on a home insurance policy in Florida, review! Always review the company of your choice thoroughly. That way you know they are the best fit for you. Before signing on the dotted line, be sure to read over your policy carefully. That’s it, you’re ready to insure your home along with your art collection.