Comprehensive Homeowner’s Insurance: Protecting Your Personal Property 

Homeowners insurance is a vital investment for safeguarding your most valuable assets. This insurance not only protects your home but also covers your personal belongings, offering peace of mind against unforeseen events such as theft, fire, or natural disasters. Understanding the extent of this coverage is essential for ensuring that all your valuables are adequately protected. 

Protect Your Personal Property with Comprehensive Insurance Coverage 

At Jaguar Insurance Agency, we recognize the importance of protecting your personal belongings. Our personalized insurance plans offer extensive coverage for your furniture, clothing, sports equipment, and also other personal items if they are stolen or destroyed by fire, hurricanes, or other insured disasters. Generally, this coverage spans from 25% to 75% of your dwelling limit, providing substantial protection for your possessions. 

Expensive items such as jewelry, furs, art, collectibles, and also silverware are also covered under our personal policies. However, these items usually have specific dollar limits if they are stolen. To ensure these valuables are covered to their full value, we recommend purchasing a special personal property endorsement or floater, which insures these items for their appraised value. This additional coverage guarantees that your high-value items are protected against all risks.

Liability Protection and Loss of Use

In addition to personal property coverage, our insurance plans include liability protection. This coverage safeguards you against lawsuits for bodily injury or property damage caused by you or members of your household. Whether it’s an accident in your home or an incident involving a family member, our liability protection ensures that you are covered. 

Furthermore, our loss of use coverage reimburses the additional living expenses incurred if your home becomes uninhabitable due to a covered loss. This means that you won’t have to worry about the extra costs of living away from home while repairs are being made. Most policies include a time limitation on these benefits, which are separate from the amount allocated to rebuild or repair your house. 

Common Homeowners’ Insurance Terms

Understanding the terms of your homeowners’ insurance policy can help you make informed decisions about your coverage: 

• Dwelling Coverage: Pays to repair or rebuild your home if damaged by covered perils like fire, hurricane, hail, or lightning. 

• Other Structures Coverage: Covers detached structures such as garages, tool sheds, and gazebos. 

• Exclusions: Standard policies typically do not cover flood or earthquake damage. Separate policies are required for these perils. 

Over 15 Years in Business

Since 2004, Jaguar Insurance has helped residents of the Port St. Lucie, FL area find the right insurance policies. These policies protect their homes. We are proudly associated with the Florida Association of Insurance Agents (FAIA) and also Trusted Choice. Request a call back today for your FREE consultation.

Trust Our Experienced Insurance Agents 

With a wealth of experience, the team at Jaguar Insurance Agency is committed to providing the highest level of customer service. Additionally, Our knowledgeable agents are always available to offer expert advice and also personalized solutions. Let us help you protect what matters most with a comprehensive homeowner’s insurance policy tailored to your needs.