Table of Contents
Insuring Your Home
Basic Coverage Availible
Replacement Cost Versus Actual Cash Value
Insurance Packages
Other Factors to Consider
How to Select an Insurance Agent
How to Select an Insurance Company
Options if You Can’t Find Coverage
Your Lending Institution
In Case of Loss
Policy Termination
Burglary Prevention
Your Rights and Responsibilities
Insurance Discrimination Against Victims of Abuse
Protecting Your Privacy
Community Outreach Programs
Insurance Fraud Costs Us All
Glossary

Charts and Diagrams
Declarations Page
The Loss Chart for Basic Policy
Homeowners Inventory Checklist

You can lessen the chance of theft and keep your insurance premiums down by paying attention to safety and following simple preventive steps. For example, you can reduce opportunities for theft by making your home difficult to enter and less inviting to the potential criminal.

Keep shrubs trimmed away from windows and doors so you don't provide a convenient hiding place for a burglar.
Maintain adequate exterior lighting.
Don't leave valuables such as lawn mowers, bicycles or tools in the yard or in an open or unlocked garage or shed. A burglar could use your tools to break into your home.
Keep your garage door closed and locked at all times. A door leading from a garage to a house can offer an easy access point for a burglar.
Display your home address openly and keep it well-lit. This will aid police and other emergency officials in finding your home quickly, if needed. Do not put your name on your mailbox
Never leave notes that can inform a burglar that your house is unoccupied.
Engrave your valuables with your Florida driver license number. It's more difficult for a burglar to dispose of permanently marked items, and this may help prove ownership for stolen items recovered by the police.
Keep a record of your valuables.
Organize a Neighborhood Watch program in your community.

For more information on residential burglary prevention, contact your local police or sheriff's office.