Florida home insurance can be complex with wind mitigation, flood zones, and hurricane deductibles. Here is what you need to know.
Dwelling Coverage
Pays to repair or rebuild your home if it’s damaged by a covered cause (fire, wind, hail, lightning). It covers the physical structure itself.
Other Structures
Covers detached structures like garages, fences, sheds, and guest houses. Usually limited to 10% of your dwelling coverage limit.
Personal Property
Covers your stuff inside the house – furniture, clothes, electronics, appliances. If your home is robbed or burns down, this pays to replace your belongings.
Personal Liability
Protects you if someone gets hurt on your property and sues you. It covers legal fees and medical expenses for the injured party.
Additional Living Expenses (ALE)
If your home is uninhabitable during repairs, this pays for your hotel, food, and temporary housing costs.
Trusted Florida Home Carriers
Universal Property
Tower Hill
Citizens
FedNat
People's Trust
Florida Family
American Integrity
St. Johns
Security First
Southern Oak
+ Many More
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