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Daytona Beach Lawyers > Blog > Property Damage / Insurance > How Your Homeowners Insurance Protects Against Personal Liability And Property Damages In Daytona Beach

How Your Homeowners Insurance Protects Against Personal Liability And Property Damages In Daytona Beach


Homeowners’ insurance provides important protections against property damages in Daytona Beach. Unfortunately, insurers make policies difficult to read, leaving many confused about their benefits. To get the maximum amount you are entitled to and to reduce out-of-pocket costs, be aware of property damage and personal liability protection offered.

How Your Policy Protects You Against Property Damages and Liability In A Claim 

Insurance policies, which rely heavily on technical, industry-specific terms, are notoriously hard to read. Complex sections on exclusions or items not covered by the policy can catch homeowners by surprise when filing a claim. The fact that your policy is not reader-friendly could also leave you unaware of important protections you are otherwise entitled to.

The Florida Department of Financial Services offers a handy guide for homeowners on standard provisions that are typically available in even the most budget-friendly policy. In general, there are four key areas to pay close attention to:

  1. Property damages to your home: Dwelling protection represents the most basic part of your policy and covers your home, including the roof, walls, foundation, plumbing, and structural features. It also typically covers damage done to areas attached to your home, including garages, attics, and decks. This generally offers protection against the elements, such as rain, wind, and hail due to storms, It can also cover you against mold or flooding that occurs within your home as a result of damages.  (Flooding due to outside events, such as hurricanes or tropical storms, typically requires additional types of coverage.)
  2. Damages to other structures on your property. This typically applies to damages done to barns, sheds, gazebos, swimming pool areas, fences, or other structures on your property that are not connected to your home. Coverage levels are generally the same, protecting you against adverse weather and other unexpected events.
  3. Damages to personal property. This includes any damage to household furnishings, collectibles, clothing, pictures, and other belongings you keep within your home. It also covers cars, campers, motorcycles, recreational equipment, or other items you typically keep outdoors, as well as patio furniture, grills, and other common backyard supplies.
  4. Personal liability: An important feature in a homeowner’s insurance policy, this can prevent you from being held personally liable when others suffer injuries while visiting your home or on your property. This includes invited guests attending dinners, picnics, parties or other events, as well as mail carriers, delivery drivers, and others who visit for business reasons. In addition to covering the costs of any injuries they suffer, such as due to slips and falls or getting struck by objects, it provides protection in the event they file a lawsuit against you.

Contact Us Today for Help 

Your homeowner’s policy provides important protections but getting the insurer to pay can prove challenging. To get the most from your policy and to help ensure losses are covered, call Bundza & Rodriguez or contact our Daytona Beach property damage attorneys online and request a consultation today.

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