What it may cover
A homeowners policy may cover the dwelling, other structures, belongings, loss of use, and personal liability, subject to the policy's limits, deductibles, exclusions, and endorsements.
Lender coverage is different
Lender-placed insurance primarily protects the lender's interest and may offer little or no protection for your belongings or liability. It can also be expensive.
Florida needs extra attention
Wind, hurricane, flood, roof, and deductible rules deserve a careful review. Standard homeowners insurance generally does not include flood coverage.
Shop early
Insurance cost and availability can affect the mortgage payment and property eligibility. Get quotes before the financing and inspection deadlines whenever possible.
Your next step
Let’s talk about what this means for you.
You do not have to figure out every mortgage detail on your own. Tell me the goal and we can work through the questions.
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