Call or Text Us Today! ​​(352) 227-3391

Call or Text Us Today!

​​(352) 227-3391

Homeowners Insurance in Clermont, FL

Homeowners insurance can give you financial protection in case of a disaster involving your home. It is crucial to have in Florida, where severe weather can cause considerable damage to your property. Home insurance may also cover other risks such as fire, theft and liability for injuries to your property.

What Does Homeowners Insurance Cover?

Standard home insurance policies may offer the following coverages:  white and red wooden house miniature on brown table

  • Property structure coverage may pay to repair or rebuild your home if it’s damaged or destroyed by a covered disaster.
  • Personal belongings coverage may pay for clothing, furniture and other possessions stolen or destroyed by a covered disaster.
  • Liability protection may cover medical bills and lawsuits for bodily injury or property damage caused by you, a family member or a pet.
  • Additional living expenses coverage may pay for hotel bills, restaurant meals and other living costs if you need to live elsewhere due to damage from a covered disaster.

How Much Does Home Insurance Cost?

The cost of homeowners insurance is different for each policyholder. Typically, insurers base your premium on the following factors:

  • The value of your home
  • Your home’s location
  • The level of coverage you choose
  • Your claims history

Why Do Home Insurance Premiums Increase?

Home insurance premiums increase mainly due to rising claims costs. Factors such as natural disasters, increased construction costs and higher repair expenses can drive up the amount insurers need to pay out. Also, if there are more claims in a particular area, insurers may raise premiums to cover the higher risk.

Get Covered Today

Learn more about your home insurance options. Contact Pro Line Insurance Agencies to get an instant home insurance quote.