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We're here to help you make the most of your insurance. Worth was borne out of the first hand frustration with the home insurance experience. Our process and team make it quick and easy to find the best value policies and protect against the unexpected. Let's take home insurance off your to do list and say hello to peace of mind.
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This first section of coverage provides coverage for the actual home itself. It is important that the value limit of this coverage be set to at least the amount equal to what it would cost to rebuild your home, otherwise known as your replacement cost coverage.
The Other Structures section provides coverage for other items on your property such as fences, sheds, and detached garages. Typically this coverage is set to about 10% of your Coverage A, but it should be adjusted up if there is a need for increased coverage limits.
One easy way to describe what this covers is if a house was to be turned upside down and shaken, what would fall out is what would apply to this coverage section. Examples of personal property include, furniture, electronics, clothes and toys.
This coverage provides for reimbursement for additional living expenses in the case that a covered peril caues damage to your home that makes it unlivable. In this case you may need to move out of the home and rent a different home or a hotel room in the interim.
This section provides protection against things like medical bills and legal fees if someone happens to be injured on your property or in the case you are found liable, ie if your dog bites someone. Certain factors can make your home more risky in this regard. Examples include trampolines and pools.
This section provides protection against payments for minor medical bills to those injured on your property. The typical coverage amount for a standard policy is limited to $5,000 per claim. It is possible for this portion of the policy to provide a payout even when the injury was not your fault.
We get it. Home insurance is complicated. We're here to help clear things up.
Home insurance is a promise to pay in the event of a covered loss, up to the coverage limits in the event of a total loss. Insureds pay premiums in return for the assurance that they will be made whole in the event of a loss.
Homeowners insurance does not protect against losses from floods. Homeowners need to purchase a separate policy to protect against floods. Flood insurance covers damage caused by rising waters.
A deductible is the amount paid by the insured in the event of a claim. This is typically deducted from the overall payout by the insurance company in the event of a loss.
Most states don't require homeowners insurance. If the home is financed, the lender will require home insurance to protect their risk exposure. For most people, a home is their largest investment and it is a good idea to protect it.
Typically home insurance policies cover wind as one of the named perils. This includes damages caused by a hurricane. Make sure to check the policy includes wind and in some instances it may have a separate deductible. This often can be quoted in terms of a percentage of the Coverage A: Dwelling limit.
At a minimum, homeowners should purchase enough coverage for their home (or dwelling) to cover the cost to rebuild the home to the same standard as it exists today. Additionally, homeowners should buy enough liability coverage to protect their personal assets.
RCV, or Replacement Cost Value, provides coverage for full replacement.
You can switch your policy at any time. We are here to help in the process. Most insurance policies provide a refund for any unearned premium that has already been paid. We can then put your policy in place right away.
If you are renting a home, your landlord should carry a policy that protects their property. As a tenant, the correct policy to carry would be a renter's insurance policy, which covers against liability and personal property risks.
In order for an alarm system to qualify as being centrally monitored, the system and alerts must be monitored off site. A centrally monitored alarm is monitored around the clock, and in the event of the alarm being activated, the service provider will notify the appropriate authorities.
12300 Highway A1A ALT Suite 203Palm Beach Gardens, FL 33410
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