Coverage for every kind of home
- Homeowners (HO-3): your house, other structures, belongings, personal liability and extra living expenses if you have to move out during repairs.
- Condo (HO-6): the parts of your unit the association's master policy doesn't cover — often interior walls, floors and fixtures — plus your belongings, liability and loss assessments. Your condo documents decide where the line is.
- Renters (HO-4): your belongings and personal liability, plus living expenses if your rental becomes unlivable. Usually very affordable.
- Landlord / dwelling (DP-3): for homes and condos you rent to others.
- Commercial property: buildings, equipment and inventory for business owners.
The Florida-specific details that matter
Hurricane deductibles
Most Florida policies have a separate hurricane deductible, usually a percentage of the dwelling coverage — commonly 2%, 5% or 10%. Know your number before storm season so there are no surprises.
Flood is not included
Standard policies generally exclude flood. Flood insurance is purchased separately through the National Flood Insurance Program or a private insurer, and new policies often have a waiting period. If you're insured with Citizens Property Insurance, flood coverage is becoming a requirement for most homeowner policies by January 1, 2027.
Inspections and discounts
A wind mitigation inspection can qualify you for discounts on the wind portion of your premium. Older homes may need a four-point inspection (roof, electrical, plumbing, and heating and air) before an insurer will write a policy. Roof age and condition can strongly affect your options.
How we help
- Review your current policy, deductibles and coverage limits.
- Compare options from the insurers we work with, including flood coverage.
- Explain inspections and discounts that could lower your premium.
- Help at renewal time, when Florida premiums often change.
Questions
Does homeowners insurance cover flooding in Florida?
Standard homeowners, condo and renters policies generally exclude flood damage. Flood coverage is bought separately through the National Flood Insurance Program or a private flood insurer. New flood policies often have a waiting period — commonly 30 days for NFIP policies — so don't wait for a storm.
How does a hurricane deductible work?
In Florida, hurricane deductibles are usually a percentage of your dwelling coverage — commonly 2%, 5% or 10% — rather than a flat dollar amount, and they generally apply once per hurricane season. On a home insured for $300,000, a 2% hurricane deductible is $6,000.
I'm insured with Citizens. Do I need flood insurance?
Citizens Property Insurance has been phasing in a requirement for its policyholders to carry flood insurance. By January 1, 2027, it reaches most Citizens homeowner policies, even outside high-risk flood zones. We can help you add a flood policy.
How can I lower my home insurance premium?
A wind mitigation inspection can document features like roof straps, impact-rated windows or shutters and roof shape — Florida insurers must offer discounts for qualifying features. Bundling, a higher deductible and an updated roof can also help.
General information about Florida property insurance as of 2026. Coverage depends on your policy's terms, limits, deductibles and exclusions.