Clear answers to help you understand your insurance options and protect your home with confidence.
Frequently asked questions
Why is homeowners insurance more expensive in Florida?
Due to the state’s high risk for hurricanes, flooding, and severe weather, premiums are typically higher to account for increased claim potential.
Is flood insurance included in a standard homeowners policy?
No. Flood insurance must be purchased separately, usually through the National Flood Insurance Program (NFIP) or a private insurer.
Do I need windstorm coverage in Florida?
Yes. In many coastal areas, windstorm coverage is essential and sometimes sold separately or with a special deductible.
What is a hurricane deductible?
A hurricane deductible is a separate, higher deductible that applies only to hurricane-related damage, usually based on a percentage of your home’s insured value.
Can I bundle my home and auto insurance in Florida?
Yes. Bundling can often result in premium discounts and simplified management of your policies.
What does a standard Florida homeowners insurance policy cover?
It typically covers the dwelling, other structures (like fences), personal belongings, liability protection, and loss of use if your home becomes uninhabitable.
Why should I get renters insurance in Florida?
It protects your belongings from theft, fire, or storm damage and includes liability coverage—often for a very affordable rate.
Can my insurance be canceled or non-renewed in Florida?
Yes. Insurers can cancel or choose not to renew policies under certain conditions—such as home condition, claims history, or market changes.
What should I do if I need to file a claim after a hurricane?
Contact your insurance agent as soon as it’s safe, document all damage with photos, and retain receipts for any temporary repairs or expenses.
How often should I review my insurance policy?
It’s a good idea to review it annually, after any major life change, or home improvements to ensure you’re adequately covered.
