What You Need to Know to Protect Your Home
Florida is one of the most beautiful places to live—but also one of the riskiest when it comes to protecting your home. From hurricanes to floods and everything in between, owning a home in the Sunshine State comes with unique challenges. That’s why having the right homeowners insurance in Florida is more than a smart choice—it’s essential.
What Does Florida Home Insurance Cover?
A standard Florida home insurance policy typically includes:
- Dwelling coverage: Protects the physical structure of your home from events like fire, windstorms, and lightning.
- Other structures coverage: Covers detached garages, fences, and sheds.
- Personal property coverage: Reimburses you for stolen or damaged belongings.
- Loss of use: Pays for living expenses if your home becomes uninhabitable due to a covered event.
- Personal liability: Protects you if someone gets hurt on your property.
- Medical payments to others: Covers minor medical expenses if a guest is injured at your home.
💡 Tip: Always check for specific exclusions and ensure your policy includes adequate limits based on your home’s value and location.
The Importance of Flood Insurance in Florida
Flood insurance in Florida is not typically included in standard homeowners policies. And yet, many Florida residents live in flood-prone areas.
If your home is damaged by a storm surge, heavy rain, or flash flood, you’ll need separate flood insurance—otherwise, you’re responsible for the costs out of pocket.
At BetOnYou, we’ll help you assess your flood risk and recommend the best supplemental policy.
Understanding the Hurricane Deductible
One of the most overlooked aspects of property insurance in Florida is the hurricane deductible. Unlike a standard deductible, this only applies to hurricane-related claims and is usually a percentage of your home’s insured value, not a fixed dollar amount.
For example:
If your home is insured for $300,000 and you have a 5% hurricane deductible, you’re responsible for the first $15,000 in damages.
👉 Knowing this in advance can help you prepare financially and avoid unpleasant surprises after the storm.
How Much Home Insurance Do You Really Need?
A common question we get is:
“How much home insurance do I need?”
The answer depends on factors like:
- The replacement cost of your home
- The value of your belongings
- Local building codes and risks (like flood zones or windstorm-prone areas)
At BetOnYou, we offer customized coverage options tailored to your unique situation.
Save More with Home and Auto Insurance Bundles
Did you know that bundling your home and auto insurance could lead to significant discounts?
Benefits of bundling include:
- Lower premiums
- Easier claims process
- One point of contact for all your policies
Whether you’re a first-time homeowner or just looking to upgrade your coverage, bundling can streamline your insurance experience and save you money.
Final Thoughts
Choosing the right homeowners insurance in Florida doesn’t have to be complicated. With BetOnYou, we guide you through the process—from quotes to claims—so you can focus on what matters most: enjoying your home.
Ready to protect your home with confidence?
Get a free quote today, call us at +1 954-628-4181 and speak with one of our licensed agents.
