Understanding Florida Homeowners Insurance

Florida homeowners insurance protects against loss.

In Florida, homeowners insurance is a package policy that combines protection against loss to residences and household personal property with personal liability coverage for the insured. Florida homeowners insurance is designed for personal, non-business risk.

Dwelling

Coverage A covers the dwelling and attached structures, including construction materials and supplies on or next to the premises. Coverage B covers private structures on the residence that are not attached to the main dwelling, such as detached garages, guesthouses, fences, tennis courts or storage buildings.

Personal Property

Coverage C covers owned or used personal property at the insured residence and some personal property away from the residence. Additionally, property of guests or employees of the insured is covered while at any residence occupied by the insured.

Liability and Medical Payments

Coverage E insures the property owner from legal liability arising from bodily injury or property damage to others. Coverage F pays medical and other related expenses for those injured through the insured's personal activities, regardless of the insured's legal liability.

Tailoring a Policy

A licensed insurance agent or broker can help property owners tailor their Florida homeowners policy to meet their individual needs. Policy limits and deductibles vary, and endorsements may be added to customize coverage.

References

• Florida's Department of Financial Services: Homeowners Insurance
• Florida's Department of Financial Services: Residential Coverage

Resources

• Florida's Department of Financial Services: Homeowners Insurance Overview