7901 SW 6th Ct, Plantation, FL, 33324
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Frequently Asked Questions

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Home insurance protects your house, personal belongings, and finances against risks such as fire, theft, storms, and liability claims. It ensures peace of mind and financial security in unexpected situations.

A standard policy typically covers the structure of your home, personal belongings, personal liability, and additional living expenses if your home becomes temporarily uninhabitable.

Coverage usually includes damage from fire, windstorms, and hail. Floods, earthquakes, and hurricanes may require separate or additional coverage depending on your location.

Coverage should be based on the replacement cost of rebuilding your home, not its market value. Factors include square footage, materials, labor costs, and personal belongings.

Yes, most policies cover personal belongings even when they are outside your home, such as items stolen from your car or while traveling, subject to policy limits.

Personal liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property. It can cover legal fees and medical expenses.

Damage caused by guests is generally covered, but rental activities may require special endorsements or landlord insurance. Always check policy terms for rental use.

You can lower premiums by installing security systems, smoke alarms, bundling policies, increasing deductibles, and maintaining a claim-free history.

Common exclusions include floods, earthquakes, normal wear and tear, mold, pest damage, and intentional damage. Optional add-ons can provide extra protection.

Contact us immediately, document damages with photos or videos, protect your property from further damage, and submit required documents for a faster claim settlement.

Most home insurance policies are valid for one year and must be renewed annually to ensure continuous coverage.

Yes, policies can be customized with add-ons such as flood insurance, valuable item coverage, and extended liability to match your specific needs.
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RiverSeaInsurance provides reliable home insurance solutions that protect your property and belongings with complete transparency and long-term value. Your home’s security is our commitment.

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7901 SW 6th Ct, Plantation, FL, 33324

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[email protected]

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+1 (904) 750-0621