Common Insurance Mistakes Florida Homeowners Make
Located in Jupiter. Serving all of Palm Beach & Florida
Homeowners insurance in Florida is complex, especially in coastal communities like Jupiter and Tequesta. Many homeowners believe they are fully protected when gaps exist.
Common mistakes include insuring for market value instead of rebuild cost, assuming flood damage is covered and choosing deductibles without understanding them.
Failing to update coverage after home improvements and carrying too little liability protection are also frequent issues.
Annual policy reviews help ensure your coverage remains aligned with your needs.
Jupiter-Tequesta Insurance helps homeowners identify and close coverage gaps.
Frequently Asked Questions
What is the biggest insurance mistake Florida homeowners make?
Insuring based on market value instead of rebuild cost is very common.
Does homeowners insurance include flood coverage?
No. Flood coverage must be purchased separately.
How often should I update my homeowners policy?
Most experts recommend reviewing annually.
What liability limit should homeowners consider?
Many homeowners benefit from higher limits or umbrella coverage.
Why are hurricane deductibles confusing?
Florida policies often use percentage based hurricane deductibles.
Why Jupiter-Tequesta Insurance Is a Trusted Local Resource
Insurance needs in Palm Beach County are different from many other parts of the country. Coastal weather exposure, hurricane deductibles and rising rebuild costs all require careful policy planning.
Jupiter-Tequesta Insurance works with homeowners, drivers and boat owners throughout Jupiter, Tequesta and surrounding communities to help identify appropriate coverage options across multiple carriers.
Clients choose our agency because we provide:
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Personalized coverage reviews
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Access to multiple insurance carriers
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Local knowledge of Florida risks
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Guidance tailored to your property and lifestyle
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Ongoing policy support as your needs change
Our goal is to help you make informed insurance decisions with confidence.
Need Help Reviewing Your Coverage
If you have questions after reviewing these guides, the Jupiter-Tequesta Insurance team is here to help. We provide personalized insurance reviews for clients throughout Jupiter, Tequesta and Palm Beach County.
Why Choose Jupiter-Tequesta Insurance?
Locally owned independent insurance agency
Specializing in residental and commercial Florida insurace.
Personalized service from real people—never a call center
Flexible policies for homes and businesses
Trusted by homeowners & businesses throughout Florida