When it comes to a standard Florida home insurance policy, everyone must know what is not covered. So, when it comes time to collect quotes, they know what to look for online. In the case of an accident, everyone can be sure that the carrier will cover it if someone damages anyone else. As everyone may know, a standard Florida home insurance policy will cover damage done by a fire, lightning, smoke, theft, and other perils.
If any home burns down in a fire, the insurance company will consider it a total loss. It is a total loss because the fire damages the dwelling beyond repair, and someone must rebuild it. In addition, according to https://floridainsurancequotes.net/home-insurance/mobile-home-insurance-florida/, smoke and water damage will also destroy their personal belongings. Regarding Florida home insurance, there are two main situations where insurance will not cover a home with fire damage.
Arson
Does homeowners insurance cover arson? The definition of arson is a fire that has been set deliberately by the home’s owner. Committing arson is a criminal offense, and so is arson insurance fraud. Many people try to commit arson to get a big insurance payout. Committing arson for insurance is known as arson insurance fraud. Insurance companies know about this, too. When anyone files a claim for a house fire, the insurance company will send an investigator to check out the damage and determine the cause. If determined to be arson, there will be no coverage at all.
Fire in an Empty Home
The carrier will not cover the damage caused by a fire in an empty home. A vacant home generally has a few different meanings. However, most insurance companies define it as a home not occupied for more than 30 days. Therefore, insurance will not cover someone if their insurance company can prove that the house was vacant when it caught fire.
Many Florida home insurance companies also offer a vacant home insurance policy. It will cover their home if it is empty at a fire. Not being covered adequately by home insurance is a significant risk. Homeowners do not want to lose something they worked so hard to get. Keep this in mind when shopping for home insurance quotes.
Where Can Everyone Find Affordable Florida Home Insurance?
Collect home insurance quotes before it is too late. If customers want the best rates on the web, they sure have them! Tons of people love receiving their quotes at https://floridainsurancequotes.net/florida-homeowners-insurance/. Fast and free quotes are available right at their fingertips. Do not wait. Head on over and start saving on a policy today!