Insurance FAQs for Jupiter and Tequesta Florida
Clear answers to common home, auto, flood, and marine insurance questions
Choosing insurance in Florida comes with unique questions, especially for homeowners, drivers, boat owners, and business owners in coastal areas. This insurance FAQ page answers the most common questions we hear from clients throughout Jupiter, Tequesta, Palm Beach Gardens, and surrounding Palm Beach County communities.
Our goal is to help you understand your coverage options before you request a quote or review an existing policy.
Do I need flood insurance in Jupiter or Tequesta?
Yes. Flood insurance in Jupiter and Tequesta is strongly recommended even if your property is not located in a high risk flood zone. Standard homeowners insurance does not cover flood damage. Flooding can occur from heavy rainfall, storm surge, or drainage issues anywhere in Palm Beach County.
If you own a home or condo near the coast or waterways, flood insurance is an important part of protecting your property.
What does homeowners insurance cover in Florida?
Homeowners insurance in Florida typically covers your home structure, personal belongings, personal liability, and additional living expenses if your home becomes uninhabitable after a covered loss. Wind damage is usually included, but flood damage requires a separate flood insurance policy.
Coverage details vary by carrier, which is why working with a local insurance agency is important.
Is hurricane insurance different from homeowners insurance?
Hurricane insurance is part of a Florida homeowners policy but often includes a separate hurricane deductible. This deductible is usually higher than your standard deductible and applies when damage is caused by a named storm.
Understanding how hurricane deductibles work before storm season is critical for Florida homeowners.
Do condo owners need insurance if the HOA has a master policy?
Yes. Most HOA master policies cover only the exterior structure and common areas. Condo insurance in Jupiter and Tequesta covers your interior walls, flooring, personal property, liability, and loss of use.
Condo insurance is essential for owners in Jupiter, Tequesta, and coastal communities.
What does auto insurance cover in Florida?
Florida auto insurance includes personal injury protection and property damage liability. Many drivers also choose collision and comprehensive coverage for added protection.
Your coverage needs depend on your vehicle, driving habits, and financial protection goals.
What is umbrella insurance and who needs it?
Umbrella insurance provides additional liability coverage beyond your auto and homeowners policies. It is ideal for homeowners, boat owners, business owners, and anyone with assets to protect.
Umbrella coverage can help protect you from large lawsuits or unexpected claims.
Is workers compensation insurance required in Florida?
Many Florida businesses are required to carry workers compensation insurance depending on the number of employees and the industry. Construction businesses have different requirements than office based businesses.
A local insurance agent can help determine what coverage your business needs.
Why work with a local insurance agency?
A local insurance agency understands Florida specific risks such as hurricanes, flooding, wind exposure, and coastal living. Jupiter Tequesta Insurance works with multiple carriers to help clients compare coverage options and make informed decisions.
Get Answers From a Local Insurance Agent
If you have questions about your current coverage or need help choosing the right policy, contact Jupiter Tequesta Insurance. Our local team is here to help homeowners, drivers, boat owners, and businesses throughout Jupiter, Tequesta, and Palm Beach County.