Gen Information
Accommodations
Inns
Hotels
Resorts
Pet Friendly Hotels
Bed and Breakfasts
Vacation Rentals  
Weddings
Planners

Venues
Photographers
Caterers

Real Estate

Agents and
Realtors

Fishing

Flats Fishing
Sportfishing

Light Tackle Fishing
Party Boat Fishing
Scuba Diving
Dolphin Tours
Snorkeling
Kayaking and
Eco Tours

Sailing and
Sunset Cruises

Camping and
RV Parks

Marinas
Dry Tortugas Trips
Tours offered
around Key West

Parasailing
Rentals for
Boats
Jet Ski and
Waverunners

Bike

Scooter
Electric Car
Beaches

Nice Tips to Do
Art Galleries
Art and Crafts
Restaurants
 Mixed 
Seafood 
Steak
Breakfast   
American 
Cuban
Italian  
Caribbean 
Bars

Shops
Museums
Gardens

Theaters
Events
Area Parks
Tattoos
Adult Entertainment




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By Clyde Powell

Key West Real Estate Insurance       Key West Bed and Breakfasts

Questions and Answers for those looking to Buy or Sell

Buying Your Home
Insurance
 

Q: What kind of home insurance should I get?

A: A standard homeowners policy protects against fire, lightning, wind, storms, hail, explosions, riots, aircraft wrecks, vehicle crashes, smoke, vandalism, theft, breaking glass, falling objects, weight of snow or sleet, collapsing buildings, freezing of plumbing fixtures, electrical damage and water damage from plumbing, heating or air conditioning systems, according to the Insurance Information Institute, a Washington, D.C.-based nonprofit group for the insurance industry.

Such policies are "all-risk" policies, which cover everything except earthquakes, floods, war and nuclear accidents.

A basic policy can be expanded to include additional coverage, such as for floods and earthquakes and even workers' compensation for servants or contractors. Home-based business-coverage, an increasingly popular rider, does not cover liability associated with the business Key West.

Insurance experts recommend that homeowners obtain insurance equal to the full replacement value of the home. On a 2,000-square-foot home,for example, if the replacement cost is $80 per square foot, the house should be insured for at least $160,000.

For personal items, homeowners can increase their coverage beyond the depreciated value of items such as televisions or furniture by purchasing a "replacement-cost endorsement" on personal property.

Some experts recommend an inflation rider, which increases coverage as the home increases in value.

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Copyright 1999 Inman News Features

Clyde's Key West Real Estate
Key West Real Estate