Owning a home is a huge responsibility. So many things can go wrong, many of them you have no control over. That is what home insurance does; it mitigates some of the bad effects of perils that your home faces. Having an independent insurance agent who knows you and is there to help customize your policy is important.  Skyline Insurance LLC in Jacksonville, FL has a team of experienced insurance professionals ready to provide all the insurance services you need. 

Types of coverage home insurance provides:

Property coverage

Property coverage is what will replace your home if it is damaged or totally destroyed by a covered peril. This covers your entire home as well as any attached structures such as a deck, porch, or garage. It also covers other buildings on your property, like a detached garage, shed, or a casita. The insurance carrier will determine what the replacement cost is for your home, taking construction costs in your area into account. 

Liability coverage

Protecting everything that you have worked so hard to accumulate is important. Suing has become something that is almost a national pastime. If someone is injured while visiting your home, you could be looking at huge legal and judgment expenses. Knowing how much coverage to have depends on the amount of risk you have. Having a dog adds to your liability,  as do a trampoline and a pool. 

Content coverage

Replacing your personal possessions is important. Making sure you have enough coverage and the right kind of coverage is vital. You have a lot more than you realize and making an inventory helps. 

Loss of use

Knowing that if your home becomes uninhabitable you will not be on the street is important for your peace of mind. This insurance does that. 

Contact Skyline Insurance LLC in Jacksonville, FL for all your home insurance needs.