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Homeowners Insurance 101

At Home Insurance of South Florida we understand that knowing specifics about your policy is vital in understanding what you are purchasing. While we are here to help you along the way we have listed below some information which may be useful as you shop.

There are 6 basic types of coverage included in a home insurance policy.
 • Dwelling Coverage
 • Other Structures Coverage
 • Contents Coverage
 • Loss of Use Coverage
 • Liability Protection Coverage
 • Medical Payments Coverage

Dwelling Coverage:   Your Dwelling Coverage protects your home's structure against covered losses. The Dwelling Coverage should be enough to replace your home in the event of a complete loss.

Other Structures Coverage:   Other Structures Coverage provides protection for the other structures on your insured property. The limits of your Other Structures Coverage are calculated as a percentage of your Dwelling Coverage.

Contents Coverage:   Your Contents Coverage protects your personal belongings including electronics, furniture, jewelry, etc. If you need additional coverage for a high value item (for example, a diamond ring or a coin collection) you would need to schedule an endorsement on your policy which would provide specific protection for that item.

Loss of Use Coverage:   In the event your home becomes partially or entirely uninhabitable due to a covered loss, your Loss of Use Coverage would provide reimbursement for living expenses while being out of your home. This may include hotel, dining, and dry cleaning.

Personal Liability Protection:   Personal Liability Protection helps protect your financial well-being in the event that you are involved in a covered lawsuit. Medical Payments Coverage: This coverage, also known as MedPay, helps you pay for medical bills in the event that someone is injured on your property and no lawsuit is being presented.

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HOME INSURANCE:      Homeowner      Condo      Flood      Renter      Mobile/Manufactured

Home Insurance of South Florida/Myers Insurance Agency, Inc. has been serving the entire state of Florida and our surrounding cities including Pompano Beach, Margate, Lighthouse Point, Deerfield Beach, Boca Raton, Fort Lauderdale and Coconut Creek since 1981. Home Insurance of South Florida specializes in Home Insurance, Condo Insurance, Renters Insurance, Mobile Home Insurance, and Flood Insurance. We are available in our office Monday thru Friday from 9am. to 6pm., Saturday from 9am. to 4pm. and Sunday by appointment. Please stop in or call us at 954.784.9029.

DISCLAIMER: Your insurance policy, and not the information contained on this website, forms the contract between you and your insurance company. The policy contains limits, exclusions and limitations that are not detailed on this website. If there is a discrepancy between information contained herin and your policy, your policy takes precedence. There is no intentionally misleading information contained in this website, however, Home Insurance of South Florida/Myers Insurance Agency, Inc. takes no responsibility for errors. We will endeavor to correct or clarify any incorrect information.

PRIVACY STATEMENT: Home Insurance of South Florida/Myers Insurance Agency, Inc. does not sell, trade or rent your personal information to outside companies. Any information you provide is held strictly confidential and is used only for the handling of your business with and through Home Insurance of South Florida/Myers Insurance Agency, Inc.



   
Myers Insurance Agency, Inc.
703 S. Federal Highway
Pompano Beach, Fl.   33062

Phone:
  954.784.9029
Fax:
  954.784.9076

Email:
  info@myersinsures.com
  webmaster@myersinsures.com