Property Insurance Archives

Other structures insurance: Coverage for fences, garages, and pools | Univista Insurance

Other Structures Insurance: What It Is and How It Works

Homeowners often think their entire property is covered under their main home insurance policy, but detached structures—such as fences, pools, sheds, and garages—may require separate coverage. This is where other structures insurance comes into play. What Does Other Structures Insurance Cover? In a standard homeowner’s insurance policy, detached buildings and outdoor structures are classified as […]

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Replacement Cost vs. Market Value: What’s Better for Home Insurance?

Property Insurance

When purchasing home insurance, it’s essential to understand how your policy determines the value of your property. Your coverage may be based on market value or replacement cost, and this difference can significantly impact your financial security. Some home insurance policies combine different types of coverage. For instance, the main structure may be covered under

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Homeowners insurance: Complete protection for your home - Univista Insurance

Do You Need Homeowners Insurance? Here’s Where to Start

Property Insurance

Homeowners insurance is a crucial tool for protecting your most valuable investment. However, selecting the right policy isn’t always straightforward. Understanding coverage options and costs can make the difference between adequate and insufficient protection. Where to Begin? Before looking for an insurance provider, assess your property’s specific needs and risks. Consider these questions: ✔ How

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Owning a Home in Florida: Essential Precautions in a Tropical Paradise

Property Insurance

Every year, thousands of Americans move to Florida, drawn by its privileged climate and tax benefits. However, owning a home in the Sunshine State requires careful planning to protect both your investment and your home’s safety. Risks in Florida and the Importance of Home Insurance Behind Florida’s stunning homes lie unique risks that every homeowner

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Burst water pipe at home and how to file an insurance claim - Univista Insurance

A Water Pipe Burst: What Should You Do?

Property Insurance

A burst water pipe can cause serious problems. Water seeps through walls and structures, damaging everything in its path. In many cases, the leak may start in one area but appear in another—for example, a bathroom pipe break could cause visible damage in an adjacent room. Beyond structural damage, excess moisture can lead to mold

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Home insurance deductible: how it works - Univista Insurance

Understanding the Homeowner’s Insurance Deductible

Property Insurance

Most homeowners understand that a deductible is the amount they must pay before their insurer covers a claim for a covered loss. This system allows insurers to share the risk with homeowners. Simply put, the higher the deductible, the lower the premium, and vice versa. Types of Home Insurance Deductibles There are different types of

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Windstorm coverage in Florida - Univista Insurance

Do I Need Windstorm Coverage in Florida?

Property Insurance

Florida is one of the states most prone to storms and hurricanes, which cause significant damage—something insurers don’t overlook. Most homeowner’s policies in the Sunshine State include protection against strong winds. However, many homeowners are unaware that their policy has a separate deductible for damages caused by hurricanes or named storms. This deductible can be

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Homeowner’s insurance lawsuit protection - Univista Insurance

My Neighbor Got Injured and Wants to Sue Me: What Should I Do?

Property Insurance

Two neighbors were arguing over a tree whose branches extended into the other’s property. The tree owner dismissed the complaints, while the other insisted that the noise of the branches hitting his window kept him from sleeping. He said, “If you don’t trim your tree, I’ll sue you.” To prove the inconvenience caused by the

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