What Does Homeowners Insurance Really Cover in Florida?
If you own a home in Florida, you know the importance of having homeowners insurance. But many policyholders are unclear about what their policy actually covers—especially when it comes to natural disasters like hurricanes and floods.
A standard Florida homeowners insurance policy typically includes:
- Dwelling coverage: Protects the physical structure of your home against damage from fire, wind, and other covered events.
- Personal property: Covers belongings like furniture, electronics, and clothing.
- Liability protection: Covers legal fees and damages if someone is injured on your property.
- Loss of use: Helps pay for temporary housing if your home becomes uninhabitable.
What it might not cover:
- Flood damage (you’ll need a separate flood policy through FEMA or a private provider)
- Windstorm and hurricane damage (may require separate deductibles or added riders)
At Jupiter-Tequesta Insurance, we help you understand the details of your policy and ensure you have the proper hurricane, windstorm, and flood coverage tailored for Florida living.
Contact Us:
Jupiter-Tequesta Insurance
1405 N FL A1A Alt #102, Jupiter, FL 33469
📞 561-951-7441
📧 tripp@jupteqins.com
