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What does the best Florida home insurance really cover?

The Best Florida Home Insurance Has The Coverage You Really Need

Even the best Florida home insurances rates are climbing yearly. Florida is subject to some of the most extreme weather in the nation, and when many homeowners make claims, it’s common for rates to rise in following years. If you’re trying to save money on your home insurance in Florida, shopping around for the lowest price isn’t the only way you can do it. If you understand the most common claims you’re likely to make on your insurance, you can tailor your policy to save money now, and keep from spending money out of pocket if you need to file a claim later, only to find that you’re underinsured.

Water Damage

As you might expect in a subtropical and tropical state like Florida, water damage is the most common claim made on homeowner insurance policies. Many homeowners incur big expenses when they skimp on water damage coverage, thinking that Flood Insurance will cover them in the event of any water damage. Flood Insurance, while useful, only pays for damage due to flooding when it’s part of a natural disaster. If your roof leaks badly in a rainstorm after a tree branch falls on it, or one of your plumbing pipes bursts and wrecks your home’s interior, only your homeowner insurance policy’s coverage will pay for the repairs. The best Florida home insurance policies should have high coverage limits for water damage.

Lightning Strikes

Florida’s climate makes heavy storms and lightning strikes very common. Florida residents are sometimes caught underinsured for damage caused by lightning strikes because they carry the wrong insurance to cover them. Because lightning strikes are so often associated with heavy rain, homeowners assume that either flood insurance or water damage riders on their policies will cover them properly, but the damage from a lightning strike most often results in claims that will be considered fire damage. Homeowners that concentrate on water damage coverage need to take fire insurance limits into account if they want to be adequately insured for lightning strikes.

Flood Insurance

Flood insurance is confusing to most homeowners. Many insurance policies have substantial coverage for water damage, and so give policyholders a false sense of security. If your home is damaged in a flood, your policy will not cover any damage that’s due to flooding. With few exceptions, Flood Insurance is offered to homeowners only through policies written by the Federal Emergency Management Administration. In order to be eligible for Flood Insurance, your city or community must agree to abide by certain flood plain management practices, and then the homeowner must purchase the insurance directly through the federal government. In the event of flooding damage that occurs during a declared emergency, the policy will pay out damages up to the limits of the policy.


If you live in a high-crime area, you should consider increasing your policy limits for stolen property, and also consider keeping the deductibles as low as you can. In many cases, deductibles can wipe out the entire loss without paying the insured a penny, and more than one burglary or theft without an insurance payout because your deductibles are too high can force a homeowner to spend a great deal of money out of pocket to replace their belongings.

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