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5 Reasons to Invest in Homeowner’s Insurance for Your Jacksonville Home

April 28th, 2023

Are you thinking about adding a homeowner’s insurance policy to your Jacksonville home? Homeowner’s insurance provides financial protection if something happens to your property or belongings, making it an important thing to consider as a new or existing homeowner. Particularly in Florida, it’s critical that you’re covered in the case of an unforeseen event, so today, our experts at Evergreen Home Buyers have compiled a list of 5 reasons to invest in homeowner’s insurance for your Jacksonville home.

1. Peace of Mind
First of all, investing in a homeowner’s policy will give you some peace of mind regarding your home and property. No one wants to think about something bad happening to their home; however, unfortunately, the reality is that things happen. Therefore, the best prevention is being proactive and doing some research or speaking with an insurance agent to find a policy that’s right for you.

2. Protection Against Loss or Theft and Vandalism
Beyond helping you sleep more soundly at night, one of the chief things that homeowner’s insurance provides is protection against loss or theft and vandalism. In the case of a natural disaster, such as fire, tornado, or hurricane (but not flooding!), homeowner’s insurance will pay to repair any damage or destruction that was done. This is similar to what happens if you experience theft or vandalism, although it will differ from policy to policy.

3. Replace Your Items
Let’s say you do become a victim of either loss or theft, and your home is not only partially destroyed, but many of your belongings were displaced or damaged. If you have a homeowner’s insurance policy in place before the disaster, they will pay to replace your items. However, many U.S. citizens are often underinsured, meaning it’s important to understand your homeowner’s insurance policy and how much you’d actually be covered for.

4. Be Covered for Personal Liability
Another reason it’s a good idea to have homeowner’s insurance is that you’ll be covered for personal liability in case someone gets hurt on the premises of your property. Everyone thinks this will never happen to them; however, it’s extremely easy for someone to slip on some ice or fall and injure themselves accidentally and then suddenly you’re facing a lawsuit. Although we hope you never have to find out for yourself, homeowner’s insurance will help you deal with the situation by providing financial support.

5. Satisfy Your Mortgage Lender
Finally, you may be asked to get homeowner’s insurance to satisfy your mortgage lender. Although the state of Florida does not require homeowner’s insurance by law, depending on who you’re able to secure a mortgage with, it might be something that you need to look into. Some lenders will make this a stipulation because it helps protect their investment if something were to happen to your home or property.

Final Thoughts
As you can see, there are many benefits to adding a homeowner’s insurance policy to your Jacksonville home. Knowing that you’re protected from things like personal liability lawsuits, theft, and (most) natural disasters can give you the peace of mind you deserve. But what if you didn’t get homeowner’s insurance before something happened to your home, and now you need to sell? Well, there is an alternative solution.

At Evergreen Home Buyers, we will purchase your home for cash AS IS, making the process entirely hands-off for you with no repairs, inspections, appraisals, or contingencies necessary. Plus, we can close in as little as two weeks! So, for a completely quick and painless way to sell your home for cash faster, visit today.

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