Talk of The Villages Florida - View Single Post - Very Basic Insurance Question.
Thread: Very Basic Insurance Question.
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Old 08-08-2024, 06:01 AM
Duppman Duppman is offline
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Originally Posted by Will.S View Post
I have been reading some TV posts that confuse me regarding insurance. I have NEVER heard this before in any state Ive lived outside Florida. Does the home insurance that covers your physical structure and ROOF..... Also cover HVAC & WATER HEATER ?

My question for clarification is we will be buying in the villages very soon. IF we buy resale, it will be 8 years old (or we will buy new). Some people mention the age of all three of these things like the home owners insurance covers all three so if they are older, they're maybe an insurance issue at the 10 yr mark.

Thanks for your time.
We are with State Farm in Minnesota, and have an add on that covers permanently installed items. Furnace, air, hot water heater and electrical. Our air broke down 20+ years old and just had it replaced. If the units can't be repaired (parts not available etc.) the coverage kicks in to replace minus deductible. The coverage is through S.F. but with another company so it didn't count towards our experience rating.