Home Insurance in Florida
Covers the structure of your home, your belongings, and your liability as a homeowner. What it does not cover — flood, earth movement, wear and tear — is as important as what it does.
What is different in Florida
Florida is the most distinctive property market in the country. Hurricane deductibles are percentage-based and separate from the all-other-perils deductible, roof age drives eligibility more than any other single factor, and Citizens operates as a large residual market rather than a marginal one. On the auto side Florida is a no-fault state that does not require bodily injury liability from most drivers, which makes uninsured motorist coverage the single most consequential option on the quote.
Exposures that shape pricing here
- hurricane
- flood
- sinkhole
- severe thunderstorm
Home Insurance reading
- State guides
Florida insurance guide
Percentage hurricane deductibles, roof age as the deciding factor, Citizens as a large residual market, and a no-fault auto system that reshapes the quote.
- Coverage explained
Homeowners insurance explained: the six parts of the policy
A home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.
- Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
- Buying guides
What a declination letter is, and why you want one
If you turn down a coverage your agent recommended, ask for it in writing. Here is what that document should contain and why it protects you.