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Home insurance in Florida usually covers damage from things like fire, lightning, theft, and some types of water damage. It also includes personal liability in case someone gets hurt on your property. But not everything is covered—especially floods and certain windstorm risks—unless you add separate policies or endorsements.

No. Flood damage from rising water isn’t covered by standard home insurance. You’ll need a separate flood insurance policy, often through FEMA or a private carrier. In Florida, where flood zones are common—even inland—it’s something worth seriously considering.

A deductible is the amount you pay out of pocket before insurance kicks in. In Florida, many policies have separate deductibles for hurricanes and other claims. Hurricane deductibles are usually a percentage of your home’s insured value—often 2% to 5%—not a flat dollar amount.

The state doesn’t require it by law, but if you have a mortgage, your lender probably does. Even if you own your home outright, skipping insurance in Florida is risky. Between hurricanes, flooding, and even sinkholes, it’s better to be covered.

Usually yes, but it depends on the policy. Most Florida policies cover wind damage from hurricanes, though you may have a special hurricane deductible. Flooding from storm surge is not included—that falls under separate flood insurance.

It depends on what it would cost to rebuild your home—not its market value. Consider building costs in your area, your home's age, and any upgrades you’ve made. You should also think about personal belongings and extra living expenses if your home becomes unlivable after a storm.

ACV (Actual Cash Value) pays what your items are worth today—minus depreciation. RCV (Replacement Cost Value) pays what it would cost to replace them brand new. Many Florida policies offer RCV, but check your declarations page or ask your agent.

Yes. You don’t have to wait for your renewal date. You can switch whenever you want, and your old insurer should refund any unused premium. Just make sure your new policy is active before you cancel the old one—no gaps.

No, but you should consider renters insurance. It’s affordable and covers your personal items, liability, and sometimes extra living expenses if your rental becomes uninhabitable. Your landlord’s insurance only covers the building—not your stuff.

A central alarm system connects directly to a monitoring service. It can include fire, burglary, or even water leak detection. Many Florida insurers offer discounts for these systems—especially if they help prevent major damage.