Coverage A: Dwelling
Covers the physical structure of your home, walls, roof, and built-in systems based on local South Florida reconstruction costs—not market value.
Primary Property Focus
Florida Homeowners Insurance Coverage
Complete protection for your dwelling, personal property, and personal liability. Specialized guidance on wind mitigation discounts, calendar-year hurricane deductibles, and separate flood coverage.
Key Coverage Components
The essential building blocks of a comprehensive Florida homeowners insurance policy.
Coverage B: Other Structures
Protects detached garages, fences, swimming pool enclosures, storage sheds, and driveways up to a selected percentage of Coverage A.
Coverage C: Personal Property
Protects your furniture, clothing, electronics, and household belongings against covered wind, fire, theft, and storm perils.
Coverage D: Loss of Use
Reimburses reasonable additional living expenses—such as hotel lodging and meals—if a covered loss makes your home temporarily uninhabitable.
Coverage E: Personal Liability
Provides defense and financial protection against bodily injury or property damage claims that occur on your premises or through household activities.
Coverage F: Medical Payments
No-fault coverage for minor medical expenses incurred by guests injured on your property, helping resolve minor claims quickly.
Frequently Asked Questions
Common questions Florida homeowners ask about their coverage.
What is the difference between rebuild cost and market value?
Dwelling coverage is based on the estimated cost to rebuild the physical structure with local Florida labor and materials after a total loss. Market value includes land value, location appreciation, and real estate market trends, which are not part of rebuilding the structure.
How does a wind mitigation inspection lower my homeowners premium?
Florida law requires insurers to offer discounts for wind-resistive construction features. A licensed inspector documents your roof geometry, secondary water barrier, nail spacing, hurricane straps/clips, and impact-rated windows/doors using Form OIR-B1-1802. Hip roofs and hurricane clips often produce the largest discounts.
What is a 4-point inspection and when is it required?
Carriers commonly require a 4-point inspection for Florida homes older than 15 to 20 years. The inspection evaluates the four core systems: Roof, Electrical (panel type and service capacity), Plumbing (piping material and water heater age), and HVAC.
Why is flood coverage excluded from my homeowners policy?
Standard property policies cover wind-driven rain entering through a damaged roof or window, but universally exclude water that rises from the ground up, storm surge, or overflow from lakes, canals, and waterways. A separate flood policy is needed for rising water.
What to prepare for your conversation
Property address, approximate year built, roof age, current declarations page, and available inspection reports.
Coverage and eligibility questions
Ask the agent to review wind and hurricane deductibles, flood exclusions, occupancy, roof condition, and any inspection requirements. Availability and coverage depend on the insurer and policy terms.
Next steps
No obligation. Request a quote to start an agent follow-up; this website does not provide an instant price or bind coverage.
Can I ask for help before I have every document?
Yes. Start with the information you have. The agency can explain what else is needed to review available options.