Homeowners insurance helps protect your house, your belongings and your liability. In Florida, how a policy treats wind, roofs and water often matters more than the premium.
What it generally covers
- The structure of your home and other structures such as a fence or shed
- Personal belongings, often with limits on certain items
- Liability if someone is hurt or you damage someone else’s property
- Additional living expense if a covered loss makes your home unlivable
Where gaps often hide
- Flood is excluded and needs separate coverage
- Hurricane or windstorm deductibles may be a percentage of the insured value
- Roof age and condition can change how a roof loss is paid
- Sub-limits on jewelry, art and similar items
Questions worth asking
- What is my hurricane deductible in dollars?
- Is my roof paid at replacement cost or actual cash value?
- How was my dwelling limit calculated?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.