Homeowners Insurance That Actually Fits Your Property

It covers wind damage from a hurricane, but not flooding from storm surge or rising water, that requires separate flood insurance. Most Florida policies also carry a separate hurricane deductible, often 2 to 10 percent of your home’s insured value, that applies instead of your standard deductible.

Florida doesn’t require it by law, but it’s often required by your mortgage lender if your home sits in a FEMA-designated flood zone. Even outside those zones, flood damage is excluded from standard homeowners policies, so it’s worth considering given how much of Florida sees flooding.

It covers you if someone is injured on your property or you’re found responsible for damaging someone else’s property, including legal defense costs if you’re sued. It also typically extends to incidents that happen away from your home, within your policy limits.

Yes. Your landlord’s insurance covers the building itself, not your belongings or your liability. Renters insurance covers your personal property, additional living expenses if you’re displaced, and liability if someone is hurt in your rental, usually for a modest monthly cost.