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Homeowner’s Insurance in the State of Florida


Homeowner’s insurance in the state of Florida is similar to home insurance found in most other states in terms of basic coverage. Most home insurance plans provide coverage in case the home is damaged by forces of nature, including wind, fire, water and so forth. However, it must be stated that Florida is subject to natural events that do not occur in most other parts of the US, so there are some differences in the emphasis of the policies.

Florida is a state that is subject to a considerable amount of rainfall, is threatened by hurricanes, and given the general flat landscape is subject to flooding and related issues. Many homeowner policies in Florida are geared towards dealing with storm damage as a result.

How Florida Homeowner’s Insurance Works for You

Homeowner’s insurance is generally a requirement for those who have mortgages for their property. The insurance is to protect the lender in case the home is damaged by fire or storms, theft, and accidental injuries to those visiting the property itself. There are several different parts to Florida homeowner’s insurance that includes the following

  • Dwelling
  • Separate Structures
  • Personal Property
  • Additional Living Expenses
  • Personal Liability

Although it is called homeowner’s insurance, it is really insurance that covers the entire property which includes separate structures such as storage sheds and the like. Plus, it may include those paying rent on your property, such as people who are renting a room or condominium owners who share property.

Although much of Florida is subject to flooding caused by storms, it is not a part of most homeowner’s insurance policies. You can purchase flood insurance separately and it is recommended if you live along the coast, near bodies of water, or if your home is in a low-lying area that tends to flood during a storm.

How Homeowner’s Coverage Works

If your home or property incurs damage that falls under the policy, the first step after you have addressed the immediate effects of the damage and ensured that everyone is safe is to call your insurance agent. They will take you through the policy of filing a claim so that you receive recompense for the damage that has occurred.

Often, this includes getting estimates from repair or restoration companies to correct the damage that has been done to your home. In addition, you may find that your policy covers items that you may not expect. For example, while damage from flooding is not covered, storm damage that includes wind and the creation of debris often is covered. That means you can clean up the property after a storm through claims filed with the insurance company.

Homeowners insurance in the state of Florida is very similar in most respects to insurance in other states. The basic coverage, costs, and means to file claims are generally the same. It is recommended that you talk to your insurance company to discuss specific issues within your coverage and clear up any questions that you may have about your policy.