🏠 Understanding Insurance: Is Your Property REALLY Protected? 

Confused about property insurance? You're not alone! From deductibles to coverage gaps, the reality is most homeowners don't truly understand their policies until AFTER disaster strikes.

Key differences explained:

• Auto policies: Fixed dollar deductibles ($500-$1000)

• Home policies: Both fixed AND percentage-based deductibles (that 3% hurricane deductible on a $1M home means YOU pay $30,000 first!)

• Condo owners: You need TWO policies (association master policy + your unit policy)

Those fancy finishes in your home? Your new wood floors? Wall coverings? Make sure you understand if they're actually covered!

Don't wait for a disaster to discover what's protected. Know the difference between flood damage (water rising) and water damage from broken pipes or leaking windows.

Drop a 👇 if you've ever been surprised by what your insurance didn't cover!

#InsuranceTips #PropertyProtection #HomeownerTips #CondoInsurance #DisasterPrep