Florida Coverage Requirements and Choices
Florida Property Coverage Questions
- Hurricanes, tropical storms, heavy rain, lightning, wind, heat, and coastal weather can drive coverage conversations.
- Roof age, wind mitigation, and storm deductibles may be very important for property quotes.
Auto liability numbers do not apply to home coverage. Set dwelling and property limits from rebuilding cost, belongings, occupancy and lender or lease requirements. In Florida, review the exact address, roof, deductible, water exclusions and any separate wind or flood policy.
Standard homeowners, renters and business policies generally exclude flood. Check the address on FEMA’s map and discuss building and contents protection separately.
FEMA address-level flood maps · Federal flood insurance guidance
