CWI Underwriters Blog

Should you be looking at Ft Lauderdale insurance for your home, a number of options may confront you. Before you decide on the type of home insurance that best suits your situation, check the following for a brief summary of what they cover. For expert advice and information, contact one of our agents.

The following types of homeowner insurance are the most popular for those who own, and live in, their homes.

1. HO-2: provides basic protection for loss and theft.

2. HO-3: this is the country's most popular policy as it provides coverage against all forms of peril with the exception of some that may be excluded (for example flood damage, particularly in flood-prone areas). Insurance against the excluded perils may need to be purchased separately.

3. HO-8: this is a policy usually bought for older homes. It is offered on an actual cash value (ACV) which means goods or damaged are replaced on the item/items minus the cost of depreciation.

Deciding on the type of homeowner's policy for your Ft Lauderdale insurance doesn’t need to be a chore. Here our agents can assist you so feel free to call us for advice or to obtain quotes on the type of policy you have in mind.

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