Is my classic movie collection covered by Florida home insurance?

If you own a home or are in the process of purchasing one, you may be required to have it insured under a homeowner’s policy.  Even if you are not required to purchase home insurance you still may want to get into insuring it for your own protection.

If you are a movie collector, whether it be a classic movie collection or just a general movie collection you will need these items covered. The big question here is, “Is my movie collection covered by my Florida home insurance?”. Keep reading below to find out if your collection is covered.

Personal property coverage is listed in your policy according to In addition, personal property consists of your belongings such as your classic movie collection, VHS tapes, furniture, clothing, and more. If your personal property is damaged due to a covered peril such as fire damage or theft, you’re covered.

What else do I need to know about FL home insurance?

The first thing you should know about homeowners insurance is that its purpose is to protect your financial wellbeing in the event your home suffers from a loss like a fire.  A loss to your home can be a very traumatic and expensive event.  But if you have a homeowner’s policy, chances are you won’t have to worry too much about how you will afford to repair damages or replace your home.

The second thing you should know is that not all insurance companies are alike and not all insurance policies are similar. Because there are a lot of variations between companies and policies it is a very good practice to request Florida home insurance quotes from companies that offer insurance in your area.  As was previously stated not all policies are the same.

Once you receive your quotes you should read over them carefully and try to learn about the options that each policy offers and also look at what the policies will not cover.  Most all policies will have a list of exclusions.  Try to familiarize yourself with the options that are available and make a list of the options you want out of a policy.  Looking over the quotes, you should pick the quote that is most in line with the options you are wanting and the price you are expecting to pay.

The last thing you will want to do is a do a little research on the companies that provided you with the homeowner’s insurance quotes like  You will want to see if you can find reviews on the companies that you are most interested in purchasing the policy with.  The truth is that what they have quoted may be too good to be true.

You will want to see what others have thought about the service they have received and if the company has made good on the policies in the event of a loss.  If other people have had trouble dealing with a company, you will want to at least know up front that you may expect problems with them also in the event of a loss.  The reviews of the companies along with the homeowner’s insurance quotes should be heavily weighed out when making your final decision on which policy is best for you.