Buying your piece of the American dream can be very stressful. You need to have the right home insurance to protect your dream. But how much home insurance do you need?  If you have an insurance agent you trust you will be able to get the correct amount to be confident of your security. At Hamilton Fox & Company Inc. in Pinecrest, FL, we are committed to providing our clients with personalized service and insurance that is just what they need. 

Home insurance isn’t just one element; it is made up of several elements. Each one needs to be rated separately when deciding how much you need. Start by deciding what your liability comfort level is. You need enough liability insurance to protect your assets in the event you are sued. You may think it is unlikely you will be sued, but that is not the case, it is quite common. If you need extra liability coverage, it may be a good idea to get an umbrella policy that will cover you across all your insurance policies.

When it comes to the value of your home, remember the figure is not the sales value of your home but the amount it would cost to rebuild your home if it was destroyed. If the figure you are given seems low or inappropriate for your neighborhood, don’t be afraid to question the amount with your agent. 

Content is the tricky part. Take a good look at the limits for different types of personal items. Jewelry is one to take note of as are electronics. If the figures don’t make sense with what you have you may need to add a rider to give you the amount of coverage you need. 

Contact Hamilton Fox & Company Inc. in Pinecrest, FL for all your home insurance needs.