Your home is likely your most valuable asset. It’s where you keep your family safe and warm, and it’s a place where you create memories that will last a lifetime. That’s why protecting your home with the right insurance policy is essential. This article will discuss the different types of home insurance policies available and the coverages included in each one.

Types of Homeowners Insurance

You can get three main types of home insurance policies from Zot Insurance Agency in Davie, FL. These are HO-0, HO-A, and HO-B. HO-0 is the most basic type of policy, and it only covers the structure of your home. HO-A is a bit more comprehensive, covering the structure of your home and your personal belongings.

Finally, HO-B is the most comprehensive type of policy, and it covers both the structure of your home and your personal belongings, as well as any damage that may occur to your home due to a covered event.

How to Choose the Best Covers

Each type of policy has different coverages, so it’s important to choose the one that best meets your needs. For example, HO-0 policies only cover the structure of your home, so if your personal belongings are damaged in a fire, you would not be covered. HO-A and HO-B policies cover the structure of your home and your personal belongings, but they differ in the coverage they provide.

A Short Guide to Homeowners Insurance

When choosing a home insurance policy, it’s important to work with an experienced agent who can help you select the right coverage for your needs. We have over 20 years of experience helping our clients find the perfect home insurance policy at Zot Insurance Agency. We’ll work with you to understand your unique needs and choose the best policy for you. Contact us today to get started.