Florida home insurance: what is covered?
A homeowners policy typically covers the structure, your belongings, liability and additional living expenses. In Florida, pay special attention to the hurricane (windstorm) deductible, roof age, and whether flood is excluded — it almost always is.
Do I need flood insurance?
Standard home policies do not cover flood. Lenders require it in high-risk zones, but many flood claims come from moderate-risk areas. NFIP policies usually have a 30-day waiting period, so buy early.
Auto insurance basics in Florida
Florida requires Personal Injury Protection (PIP) and Property Damage Liability. Bodily injury liability and uninsured motorist coverage are strongly recommended to protect your savings.
Life insurance: term vs. permanent
Term life is affordable protection for a set period (e.g., while paying a mortgage). Permanent life lasts your whole life and can build cash value.
Annual policy review checklist
- Has your home value or rebuild cost changed?
- New drivers, vehicles or a business?
- Are your liability limits enough? Consider an umbrella policy.
- Have you checked for bundling discounts?