Adelaida “Ady” M. Artime, P.A., Berkshire Hathaway EWM Realty.Phone: (786) 512-2467
Email: [email protected]
Email: [email protected]
With so many apparent similarities between the two, hazard insurance and homeowners insurance are often mistaken for the same thing. Standard homeowners insurance policies include hazard coverage, but what about standalone hazard insurance?
Here is a basic comparison of hazard insurance and homeowners insurance to help clarify the differences and similarities:
Hazard insurance protects you financially if your property is damaged by a specific natural disaster. Some examples of hazard policies include tornado insurance, earthquake insurance and flood insurance.
Hazard insurance is typically required in certain areas where hazards are not otherwise covered by the standard homeowners insurance policy.
Homeowners insurance includes basic hazard coverage for damage to your home from extreme weather, theft and other perils. It specifically includes dwelling coverage, which protects the physical structure of your home, and personal property coverage, which protects your belongings.
Homeowners insurance protects the contents of your home as well as the home itself. This is a major difference between homeowners and hazard insurance. Generally, home insurance covers a broader range of hazards, but won’t be able to help you if certain specific hazards, like tornadoes, occur.
Whether you require additional hazard insurance is dependent on your personal preference and where you live. In regions where tornadoes are common, for example, your mortgage lender might require you to get a tornado insurance policy before approving you for a loan.
Even if not required, having hazard insurance coverage can give you peace of mind. If you have an additional hazard policy, you’ll know you have financial coverage if your home and belongings are damaged by something otherwise excluded from your home insurance.
In her role as a real estate and relocation specialist in South Florida and Northern Virginia, Ady Artime prides herself on providing the highest level of service, confidentiality and professionalism to her clients. Based on her own experience as a government liaison, Ady is in familiar territory working with high powered individuals. She possesses a discreet and confidential work ethic, and her keen eye, attention to detail, and experience with multi-million dollar properties have earned her a high-profile, loyal clientele that expect the best from their realtor.
Known for her expertise and strong background in interior design, she stands out from other real estate agents. When a satisfied client says that Ady knows real estate "inside and out", the statement is to be taken literally. Over the course of her career, she has received recognition as an award-winning interior designer. She has designed and implemented interiors for countless luxury projects throughout the United States, and Europe. Her extensive knowledge of all facets of design, including working with architects and construction teams, led to a natural progression into the real estate arena and gives her a definite edge over the competition in serving her clients.
As and agent in South Florida and North Virginia, Ady lends her real estate expertise and design savvy to buyers and sellers. Ady's mission is to develop a faithful, repeat clientele by providing them with superior service and value. She is passionate about her work and takes the time to understand each client's needs and goals to accurately assess the options she provides. From overseeing the staging of a listed property in order to fetch the highest possible price to analyzing a potential purchase from a design and architectural perspective.
