What a Homeowners Policy Typically Covers


A typical homeowners policy from Edison Insurance Company provides coverage in the event an unexpected (sudden and accidental) loss occurs due to - fire, lightning, vandalism, theft, liability, and hurricanes. Damage suffered to the home due to poor, or lack of maintenance, is not covered by a homeowners insurance policy.  Keeping up with yearly maintenance is the key to a safe and happy home.

Additional coverage options are available through most carriers, for things such as dog bites via Animal Liability coverage, jewelry, and furs, screen enclosures, flood coverage, etc. One important coverage often overlooked is flood.  Flood coverage is typically not included in your homeowners insurance policy, however, Edison Insurance Company offers an endorsement to qualifying homes which allows the addition of this protection.

Flooding is the number one disaster in the United States, causing millions of dollars in damages each year. Fortunately, Edison's flood endorsement can provide you with peace of mind should an unexpected flood occur. Our flood endorsement is designed to cover your personal possessions up to your selected coverage amount and eliminates the need for a standalone flood insurance policy. Should your property not qualify for Edison Insurance Company's flood endorsement, speak to with your agent about obtaining flood coverage through the Nation Flood Insurance Program (NFIP).



As a Florida homeowner, it is important to protect your property should the unexpected occur. Sufficient insurance coverage to fit the needs of your family is available through Edison Insurance Company. Should you have any questions or concerns about your policy, contact your agent, or call us at 866-568-8922.

Other blog posts like this

Prepare for hurricane season 2023 by getting the flood insurance coverage you need to avoid financial hardship should your home be affected by flooding.
By
Edison Insurance Company
May 1, 2023
Discover what "covered loss" and other homeowners insurance policy terms mean to ensure your home and belongings are protected against unexpected damages.
By
Edison Insurance Company
May 1, 2023
Edison Insurance is happy to now be offering Equipment Breakdown Coverage for our policyholders. To help you better understand what this new coverage option is all about, we are breaking down what it is, what it covers, and important things to know when obtaining Equipment Breakdown Coverage.
By
Edison Insurance Company
March 1, 2023