Homeowners’ Insurance

What is Homeowner’s Insurance?

Homeowner’s Insurance provides you with financial protection in the event of a disaster or accident involving your home.

A standard homeowner’s insurance policy covers your home and your belongings in the event of a destructive event, such as a fire.

In addition, Homeowners Insurance policies cover not only damage to your property, but also your liability—that is, legal responsibility—for any injuries and property damage to others caused by you or members of your family (including your household pets). This type of coverage often comes into play when you have a visitor who has a slip and fall type accident.

Home insurance also provides additional living expenses coverage for the extra costs of living away from home in case it is unsafe to live in following a disaster. Give us a call and we’d be happy to guide you through all the options.

What is not covered by a standard homeowner’s policy?

While Homeowner’s Insurance Covers many types of disaster-related damage, there are exceptions. For example, sinkhole coverage or flood insurance are separate policies. If you are in a flood zone or are worried about sinkhole activity, be sure to talk to us about this when you request a quote.

Hurricane Coverage

When a hurricane comes onshore, there are two perils insurance companies need to consider – wind and flood.

A Homeowner’s Insurance Policy will not cover flood damage caused by a hurricane; it won’t cover flooding, period. But you can buy flood insurance separately here at Omega Insurance.

In Florida, damage from wind caused by a hurricane is typically covered. However, most policies have a separate (usually higher) deductible for hurricane-related claims.

If you have additional questions, please reach out to us, we’d be happy to guide you through all your options.