Make Sure Your Home is Protected

Your homeowner’s insurance policy may not pay for everything you think it will. Take a look at these two examples:
 

• It’s summertime in Florida and that means it’s the rainy season.  If you’ve ever experienced the rainy season in Florida you know that we can easily get three to six inches of rain in a short amount of time.  When you get that much rain it can be too much for the sewer system to handle and then the sewer starts to back up...
   
• Just imagine another thunderstorm rolling through –We are in the lightning capital of the world.  That 30 year old oak tree takes a direct hit and lands right on top of your roof. No one is hurt and your Florida home insurance company quickly pays for the structural damage. However, when you go to replace the TV, entertainment center and computer damaged in the accident, you discover only the cash value will be paid out for those items. Not replacement value.  This means you’ll receive what they’re worth ( i.e. depreciated value), not what it will cost to replace them.  So that 42” plasma TV you paid $2500 two years ago may only be worth a $1000 today versus a brand new replacement that costs $2000.  which would you want the insurance company to pay?

The emotional strain of a disaster is tough enough. Don’t be caught without home insurance if a disaster strikes. Know what your policy covers. Make sure you understand it. Review your policy at least yearly to make sure it matches the appropriate protection with your changing needs.  

Partner with an agency that has over 100 years of combined insurance experience in their office.  This insurance knowledge can save you money and minimize your risk.
 

Seasoned Insurance Pros at Horizon Insurance

Horizon Insurance is an active member of the Gulf Coast communities. In fact, we have multiple offices to serve you, one in Bradenton/Sarasota area and another in Port Charlotte.

As a staunch independent agent, Horizon represents over 30 insurance companies. This means that you’ll receive the best available homeowner or condo coverage for your insurance dollar.

Provide the information about your home or condo and receive a quote on your policy. We will make sure you’re getting the coverage necessary at the right price. We will also make sure you understand exactly what the coverage means.

So get started right now by entering your zip code in the Protection Savings Form above.