You need to know these things when searching for affordable Florida homeowners insurance.


What does this homeowner’s insurance policy cover?

A typical Florida homeowners insurance policy will cover damages done to your property and damage to your possessions. These damages done to your possessions can consist of storm, fire, theft, and vandalism.  Exactly as renters insurance, it will provide you with liability coverage, in case someone is injured on your property and decides to sue. Your policy will also cover shelter costs, that way you won’t be faced with hotel bills when moved from your home.

Remember your policy will also protect outside of the home. According to, if something happens to be stolen from inside your car, your home policy will likely cover it.


What will not be covered by my homeowners insurance in Florida?

 Every standard homeowners policy will have some exclusions. Some of these exclusions include earthquakes, landslides, power failure, war, nuclear hazards, flooding, and etc. Windstorms are typically covered, such as tornadoes. If you are in a high-risk area for windstorms, your insurance company might not cover it.

When it comes to water damage done to your home, it is tricky. Usually, water from above such as rainwater or a busted pipe in your home is covered. While water from below is not covered. This includes ground flooding and sewers. It is best to purchase additional coverage if your area is prone to floods and earthquakes.

Why do I need to shop around for affordable FL coverage?

Before you decide to commit to a policy, be sure you take enough time to research each company you have in mind. A company that can showcase good reviews and satisfied customers, is one you definitely should consider.


Write everything down!

Many companies will fail to pay out on your valid claims. Many claims can be denied because of the lack of not keeping good enough records. As a homeowner, you should document everything that happens during a loss. You should also do as much as possible in order to mitigate the loss. Be sure to also save receipts, contracts, and appraisals, document calls by writing down the date and who you spoke to.

By following the recommended tips above, you should be able to shop for homeowners insurance in Florida at Having a better understanding of what is covered vs what isn’t is definitely an advantage when it comes time to purchase the coverage you need.