Learning Center
Welcome to the SVF Insurance Learning Center—your trusted resource for navigating the complexities of insurance. At SVF, we believe that an informed client is a protected client. Whether you’re looking to understand the nuances of Medicare Advantage, seeking tips on lowering your commercial liability, or wondering how much coverage your new home actually needs, our library of guides and articles is here to help. Explore our expert insights to find the perfect balance of Service, Value, and Friendliness for your unique insurance journey.
Home Insurance
Common Home Insurance Questions & Answers
Dwelling coverage (Coverage A) protects the structure of your home itself. It helps repair or rebuild your home after a covered loss. In Florida, choosing strong coverage is important, and a “special form” policy typically offers the broadest protection for homeowners.
Other Structures coverage protects structures on your property that are not attached to your home, such as detached garages, fences, sheds, or similar standalone buildings.
Personal Property coverage protects the belongings inside your home. If you could turn your house upside down, anything that would fall out—such as furniture, clothing, and electronics—is considered personal property.
Loss of Use coverage helps pay for additional living expenses if your home becomes unlivable after a covered loss. This may include temporary housing, meals, and other necessary costs while your home is being repaired.
Liability coverage protects you if someone is injured or their property is damaged due to your negligence. It can also help cover legal defense costs if a claim or lawsuit is filed against you.
Medical Payments coverage helps pay for minor medical expenses if someone is injured on your property, regardless of fault. It is designed to quickly resolve small incidents and help prevent larger claims.