Home Insurance in Florida: What It Costs and What Actually Covers You

Florida is the most expensive state in the country to insure a home, and it is also the state where the number on your declarations page tells you the least about what you would actually get paid after a loss. Two Florida homeowners with identical premiums can have wildly different outcomes after the same hurricane, because the things that decide the outcome — which hurricane deductible you picked, how old your roof is, whether your policy settles that roof at replacement cost or depreciated value, and whether you carry flood at all — are choices and conditions that never show up in an average premium.

This guide walks through all of them, in order, with real Florida figures. It is written for someone who has never read an insurance policy front to back, and every piece of jargon is explained the first time it appears.

A note before you start: everything below is general information to help you understand how home insurance works in Florida, not personalized insurance, legal, or financial advice. Premiums, coverage terms, deductible options, and underwriting rules vary enormously by carrier, by county, by the specific characteristics of your home, and by your own claims history. Nothing here is a quote, and this site takes no commissions and routes you to no carrier. For coverage specific to your property, talk to a licensed Florida agent; for a dispute over a claim, talk to an attorney licensed in Florida.

1. What home insurance actually costs in Florida

The headline number: about $8,471 a year for $300,000 of dwelling coverage. That figure comes from a 2026 nationwide rate comparison that states its coverage assumptions explicitly, and it ranks Florida the most expensive state in the country. A second independent 2026 analysis lands in the same territory, putting Florida's statewide average at $8,292 for 2025 and projecting roughly $8,458 by the end of 2026.

To put that in perspective, the national average at the same $300,000 coverage level runs roughly $2,844 to $2,872, depending on which publisher you ask. Florida homeowners pay somewhere near three times the national figure for the same nominal amount of coverage. Monthly, $8,471 works out to about $706 — for many Florida buyers, insurance is now a larger line item than property tax, and in some coastal counties it rivals the principal-and-interest portion of the mortgage payment on a modest home.

Why it costs this much here specifically

It is not one thing. It is four things stacked on top of each other:

• Hurricane exposure that is genuinely unique. Florida is the only state with substantial Atlantic and Gulf coastline plus a peninsula shape that makes almost the entire state reachable by a landfalling storm. There is no meaningfully "safe" interior in the way there is in Texas or the Carolinas.
• Reinsurance cost. Florida insurers are small and regionally concentrated, so they buy heavily from the global reinsurance market — insurance for insurance companies. When reinsurance prices spike after a bad global catastrophe year, Florida premiums move almost immediately, even if Florida itself had a quiet season.
• Litigation and claim-cost history. Florida spent years generating a disproportionate share of the nation's property-insurance litigation relative to its share of claims, which pushed loss-adjustment expense into the rate base. Legislative changes in 2022 and 2023 targeted this directly, and the market response is now visible in the numbers below.
• Construction cost and demand surge. Rebuilding is expensive here to begin with, and after a named storm, labor and materials in the affected region spike well above baseline — a phenomenon called demand surge that no annual average captures.

The honest caveats on that $8,471

Two things are worth saying plainly rather than burying.

First, the statewide average conceals an enormous spread. Florida is not one insurance market; it is at least three. Coastal South Florida runs far above the statewide average. Inland North and Central Florida runs far below it — Sumter County, for example, averages roughly $1,620 on a $300,000 dwelling, which is below the national average and less than a fifth of the statewide figure. If you are shopping in The Villages, the statewide number will badly mislead you in one direction; if you are shopping in Key West, it will mislead you in the other.

Second, one credible source disagrees. The same analyst that publishes an $8,292 statewide average separately publishes a materially lower $5,688 figure specifically at $300,000 of dwelling coverage. That is inconsistent with their own statewide read unless their statewide figure assumes higher average dwelling coverage than $300,000 — which is the likeliest explanation, since the average Florida home needs more than $300,000 of rebuild coverage. We use $8,471 because it states its coverage level explicitly and lands where two independent statewide reads also land. But if you encounter the lower number somewhere, you should know it exists and why it differs.

The direction of travel is genuinely improving, for once

Statewide, the measured trend is only about +2% year over year — essentially flat in real terms, and a dramatic change from the double-digit increases Florida absorbed from 2019 through 2024.

More striking: 2026 is Florida's first broad round of rate decreases since 2019. Citizens, the state-backed insurer, was approved for a statewide average cut of roughly 8.7-8.8% on multiperil policies, and State Farm, USAA, GEICO, Allstate, and Progressive have all filed decreases in the 7% to 10% range.

Those two facts — a small statewide increase and carrier-level cuts — are not contradictory. A statewide average moves for reasons that have nothing to do with filed rate changes: carriers non-renew high-risk policies, new construction with different risk characteristics enters the pool, and homeowners shift their coverage limits. The practical takeaway for you is simple and worth acting on: a Florida homeowner shopping in 2026 may genuinely get lower quotes than they got in 2024 or 2025. If you have not re-shopped since the hard market peak, you are probably leaving money on the table.

2. The deductible that actually applies to your most likely claim

This is the most important section in this guide, and it is the thing most Florida homeowners get wrong.

Your Florida homeowners policy carries two separate deductibles, not one.

A deductible is the amount you absorb yourself before the insurance company pays anything on a claim. Most people know their policy has one. In Florida, the one most people know about is the wrong one.

The standard deductible: about $2,500

Your all-perils deductible — sometimes labeled "all other perils" or AOP on your declarations page — is the flat dollar amount that applies to ordinary claims: a kitchen fire, a burst supply line, a tree falling on the roof on a calm day, theft. In Florida the typical figure is around $2,500, sitting between the $1,000 used as a benchmark in national comparisons and the $5,000 retentions that have become common in coastal counties.

That $2,500 is real. It is also close to irrelevant for the claim a Florida homeowner is most likely to file.

The hurricane deductible: a percentage, not a dollar amount

Under Florida Statute 627.701, every homeowners insurer in the state must offer you a menu of hurricane deductible options: $500, 2%, 5%, or 10% of your dwelling limit. You pick one. 2% is the most common selection.

The critical word is percentage. This is not a flat amount. It scales with how much dwelling coverage you carry, which means the more house you insure, the bigger the hole you fall into before coverage starts.

Work it on Florida's statewide median home price of $425,000, assuming that is roughly your dwelling limit:

Compare that to your $2,500 standard deductible. On the same house, the same policy, a hurricane claim costs you more than three times as much out of pocket as a kitchen fire does — and if you selected 5% to lower your premium, nearly nine times as much.

On a $400,000 dwelling limit, a 5% hurricane deductible is $20,000 before the insurer pays a dollar. That is a number worth writing down and looking at before you choose.

When it triggers — and it is broader than you think

Two mechanics matter enormously and are widely misunderstood.

It applies once per calendar year. This is genuinely homeowner-favorable and worth knowing. If two hurricanes hit you in the same calendar year, you satisfy the hurricane deductible once, not twice. The second storm's claim is subject only to whatever remains. If the storms straddle a year boundary — one in December, one the following June — you pay it twice.

The trigger is statewide, not local. The hurricane deductible engages when the National Hurricane Center issues a hurricane watch or warning for any part of Florida, and it remains in effect through the storm and for a defined window after the last watch or warning ends. You do not have to be in the cone. A storm that makes landfall in the Panhandle can put your Miami policy into hurricane-deductible territory if the watch area covered you.

What this should actually change about your decisions

• Find out which option you picked. It is on the declarations page, and a large number of Florida homeowners have never looked. If it says 5% or 10%, you accepted a much larger retention in exchange for a lower premium, possibly without understanding the trade.
• Hold the deductible amount in cash, or do not choose it. A 5% hurricane deductible on a $425,000 home means having $21,250 liquid and available in the weeks after a storm, when contractors want deposits and you may also be paying for somewhere else to live. If you cannot produce that money on short notice, the premium savings are not savings — they are a bet you cannot afford to lose.
• Understand what it does to small claims. With an $8,500 hurricane deductible, a storm that does $6,000 of damage to your soffits and screen enclosure produces no insurance payment at all. You are self-insuring every hurricane loss below your deductible, permanently.

3. What a standard policy covers here — and the gaps

A Florida homeowners policy covers the structure of your home (Coverage A, dwelling), other structures like a detached garage or shed (Coverage B), your belongings (Coverage C, personal property), your cost of living somewhere else while the home is uninhabitable (Coverage D, loss of use or additional living expense), and your liability if someone is injured on your property (Coverage E).

The covered perils on a standard policy include fire, lightning, windstorm and hail, explosion, theft, vandalism, falling objects, and sudden accidental water discharge from plumbing. That is real coverage and it handles most of what goes wrong in a house.

Here is what it does not do.

Flood is never covered. Not here, not anywhere.

No homeowners policy in the United States covers flood. This is not a Florida quirk, it is universal — and it is the single most expensive misunderstanding in Florida homeownership.

Flood coverage comes from a separate policy: the National Flood Insurance Program (NFIP), run by FEMA, or from a private flood insurer. Florida has more NFIP policies in force than any other state, and it still has enormous numbers of uninsured homes.

The distinction that ruins people after a hurricane: storm surge is flood, not wind. If a hurricane pushes seawater into your house, that is a flood claim, and your homeowners policy — with its 2% hurricane deductible and all — does nothing for it. If the same hurricane tears your roof off and rain comes in from above, that is wind, and it is covered. After a major landfall, adjusters and homeowners spend months arguing about exactly this line, because the water damage often looks similar and the coverage outcome is completely different.

Two things follow:

1. Being outside a designated high-risk flood zone does not mean you cannot flood. A substantial share of NFIP claims come from properties outside the highest-risk mapped zones. Outside those zones, flood insurance is also dramatically cheaper — which makes declining it a poor trade.
2. NFIP policies have a 30-day waiting period in most circumstances. You cannot buy flood coverage when a storm enters the Gulf. Buy it in February.

Sinkholes: covered, but only partly, and only if you ask

Florida is one of the few states where the ground itself is an insurance peril. The coverage is split in a way that confuses almost everyone:

• Catastrophic ground cover collapse is included in standard Florida homeowners policies. It requires the ground to actually collapse in a visible, dramatic way that renders the structure condemned — abrupt collapse, a clearly visible depression, structural damage, and condemnation by a government agency. It is a high bar by design.
• Sinkhole loss — the far more common scenario, where subsurface activity cracks your foundation and walls without the ground dramatically caving in — is not included by default. Florida insurers are required to make sinkhole coverage available as an endorsement for additional premium, but you have to buy it.

If you are in the sinkhole-prone belt through Hernando, Pasco, and Hillsborough counties, this is a specific question to ask your agent by name, not a box to assume is checked.

Other gaps worth knowing about in Florida

• Wear and tear, and gradual damage. Insurance covers sudden and accidental events. A roof that has simply reached the end of its life is a maintenance expense, and a slow plumbing leak that rotted a wall over two years is usually excluded. This distinction gets litigated constantly in Florida roof claims.
• Mold is typically capped at a modest sublimit — often $10,000 — even when it results from a covered loss. In a humid climate this cap is hit more often than you would think.
• Screen enclosures, pool cages, and carports are frequently subject to their own limits or ACV settlement, and in a windstorm they are often the first thing to go. Check how yours is scheduled.
• Earthquake is excluded everywhere, Florida included. This rarely matters here.

4. Making sure you have enough coverage

The most common coverage error in Florida is not picking the wrong carrier. It is insuring the wrong amount.

Dwelling coverage is rebuild cost, not market value, and not your mortgage

Your Coverage A dwelling limit should equal what it would cost to rebuild your home from the foundation up at current local construction prices. It is not:

• What you paid for the house. The purchase price includes land, and land does not burn down or blow away.
• What the house would sell for today. Market value is set by desirability, schools, and interest rates. Construction cost is set by lumber, labor, and code.
• Your mortgage balance. Your lender only requires enough coverage to protect its own loan. That is the lender's interest, not yours.

In Florida these numbers can diverge in either direction. In a hot coastal market, market value runs far above rebuild cost, and a homeowner who insures to the sale price is overpaying for coverage they can never collect. In an older inland neighborhood with modest home prices and expensive modern building code requirements, rebuild cost can exceed market value — and that homeowner is dangerously underinsured.

Working a real Florida number

Florida's rebuild cost runs roughly $210 per square foot. That figure is the midpoint of a published $150-$270 band for the region, and it covers materials, labor, and general contractor overhead and profit — but not land.

For a 2,000 square foot home:

• 2,000 x $210 = $420,000 of dwelling coverage at the midpoint
• At the low end of the band: 2,000 x $150 = $300,000
• At the high end: 2,000 x $270 = $540,000

That $240,000 spread between the ends of the band is not sloppiness — it is the honest width of a statewide construction-cost estimate in a state where a builder in Pensacola and a builder in Palm Beach are working in genuinely different cost environments. Treat $420,000 as a starting point, then adjust for your actual construction (concrete block versus frame, tile versus shingle, impact glass, custom finishes) and your specific market.

Two Florida-specific adjustments to make on top of that:

• Ordinance or law coverage. Florida's building code has tightened substantially over the decades. If your 1985 home is substantially destroyed, you rebuild it to the current code — impact-rated openings, updated roof-to-wall connections, elevated equipment. Ordinance-or-law coverage is what pays that upgrade delta, and standard policies often include it only at a modest percentage of Coverage A. In an older Florida home, this is one of the most valuable endorsements available.
• Demand surge. After a major landfall, regional construction costs spike well above the annual average. An extended replacement cost endorsement, which pays a defined percentage above your dwelling limit — commonly 25% or 50% — exists specifically for this. In a state where thousands of homes are damaged at once, it is closer to essential than optional.

The 80% coinsurance rule, and what a shortfall does to a partial claim

Here is the part that surprises people, because it punishes underinsurance even when your loss is nowhere near your limit.

Most homeowners policies contain a coinsurance provision requiring you to carry dwelling coverage of at least 80% of full replacement cost in order to be paid replacement cost on a partial loss. Fall below that threshold and your partial claim is reduced proportionally — not to your limit, but by the ratio of what you carried to what you should have carried.

Work it on the 2,000 square foot home above:

• Full replacement cost: $420,000
• 80% threshold: $336,000
• You actually carry: $300,000 (say, because you insured close to your loan balance)
• Coinsurance ratio: $300,000 / $336,000 = 89.3%

Now a hurricane does $100,000 of wind damage. You are nowhere near your $300,000 limit, so you would reasonably expect to be paid $100,000 less your deductible.

Instead:

• $100,000 x 89.3% = $89,286
• Minus your 2% hurricane deductible on $300,000 of coverage = $6,000
• You receive $83,286. You are out $16,714 instead of the $6,000 you budgeted for.

The penalty scales with the size of the loss, and it applies to every claim for as long as you are underinsured. This is why re-checking your dwelling limit annually against current construction costs is not busywork — in a period of construction-cost inflation, a limit that was adequate three years ago can quietly slip below the coinsurance threshold without you doing anything at all.

5. Roof age, and why it decides your premium and your payout

If you take one operational fact away from this guide, make it this one: in Florida, roof age is the deciding variable in home insurance. Not location, not credit, not claims history. Roof age.

There is no single statewide rule. Settlement depends on your specific policy, and the pattern across carriers is consistent enough to plan around.

Replacement cost versus actual cash value

Two ways an insurer can pay for damaged property:

• Replacement cost value (RCV) pays what it costs to replace the damaged item with a new one of like kind and quality, with no reduction for age.
• Actual cash value (ACV) pays replacement cost minus depreciation — the value the item had actually lost by the time it was destroyed. A roof with 5 years of a 20-year life remaining is worth a fraction of a new roof under ACV.

On a newer roof, replacement-cost settlement is standard. But carriers commonly restrict roofs of roughly 15 years and older to ACV settlement, and many will decline to write or renew at 15 to 20 years regardless of condition — a sound 18-year-old roof that has never leaked is still an 18-year-old roof in an underwriter's file.

The dollar gap is enormous

On a 15-year-old shingle roof with $20,000 of damage:

• Replacement cost settlement pays near $20,000
• Actual cash value settlement may pay only $6,000 to $10,000

Now stack that on the hurricane deductible. Suppose your roof is damaged in a named storm, you carry a 2% hurricane deductible on a $425,000 dwelling limit ($8,500), and your policy settles the roof at ACV for $8,000.

Your net recovery is zero. The ACV payment is less than the deductible. You have a fully insured home, a fully covered loss, an active policy, and you receive nothing — and you still owe a roofer $20,000.

That scenario is not exotic. In Florida it is common. It is the reason a homeowner can be technically insured and functionally uninsured at the same time.

How replacement-cost claims are actually paid out

Even when you do have replacement-cost coverage, the money does not arrive all at once. Under Florida Statute 627.7011, a replacement-cost policy generally pays actual cash value first and releases the withheld recoverable depreciation as repairs are completed and documented.

In practice: the insurer sends the ACV portion, you hire a contractor and complete the work, you submit invoices and proof of completion, and the insurer then releases the remaining depreciation. This means you need either cash reserves or a contractor willing to work on a progress schedule. Homeowners who do not understand this sequence sometimes take the first check, never complete the repair, and permanently forfeit the depreciation holdback.

One 2026 change that cuts the wrong way

In 2026, Fannie Mae and Freddie Mac relaxed their lending standards to accept ACV roof coverage rather than requiring replacement cost in all cases. Mortgage requirements had been quietly propping up RCV roof coverage across a huge number of loans; that constraint has loosened. The practical effect is that ACV roof settlement is likely to spread further, because your lender will no longer object on your behalf.

Nobody is watching this for you anymore. Read your own loss-settlement clause.

What to actually do about your roof

• Know your roof's installation date and material. If you are buying, get it in writing during due diligence. It is a pricing input on your very first quote.
• Read the loss settlement provision, not the summary. You are looking for language that applies a different settlement basis, or a payment schedule, to the roof specifically. If it exists, it is the most important paragraph in your policy.
• Treat a roof replacement as an insurance decision, not just a maintenance one. Replacing a 16-year-old roof costs real money, but it can simultaneously restore RCV settlement, reopen carriers that had declined you, and cut your premium — sometimes enough to change the payback math substantially.
• Get a wind mitigation inspection when the roof is done. More on that below; the credits are large in Florida and they are tied to roof construction features.

6. If no carrier will write you

Florida has a genuine state backstop, and it is more restrictive than most people expect.

Citizens Property Insurance Corporation

Citizens Property Insurance Corporation is Florida's state-backed insurer of last resort. It exists so that a Florida property is insurable even when the private market will not touch it.

Eligibility is restricted by design. Citizens is not a cheaper option you can simply elect. To qualify:

• You must be unable, in good faith, to obtain comparable coverage in the private market, and
• You cannot buy from Citizens if private coverage is available within 20% of the Citizens premium.

That 20% rule is the operative one, and it is checked at renewal, not just at purchase. If a private carrier offers you coverage priced within 20% of what Citizens charges, you are ineligible for Citizens and get moved out — a process called takeout or depopulation. Citizens policyholders receive these offers routinely and are often surprised to find that declining is not really an option.

Citizens is shrinking, and that is the news

Citizens' policy count has fallen sharply from its October 2023 peak of roughly 1.42 million to about 394,000, as private carriers re-entered the Florida market. That is a roughly 72% reduction in under three years, and it is the clearest available evidence that Florida's private market is functioning better than it was during the hard market.

For an individual homeowner, this cuts both ways. It is genuinely good news that private carriers are writing again. It also means that if you have been sitting comfortably on a Citizens policy, you are increasingly likely to be moved into the private market whether you wanted to be or not.

Citizens rates are going down in 2026

Regulators approved a statewide average Citizens rate cut of roughly 8.7-8.8% on multiperil policies (and 5.5% on wind-only policies) effective July 1, 2026, reaching about 14% in Miami-Dade and Broward. Those are the deepest reductions in the state's most expensive counties.

The honest assessment of Citizens

Citizens is a real backstop and it works. But you should understand what you are getting:

• It is not designed to be the cheap option, and by statute it is not allowed to undercut the private market enough to compete with it.
• Coverage is narrower than a full-featured private policy in a number of respects, and coverage limits apply.
• Citizens has assessment authority. If a catastrophic season exhausts its resources, Citizens can levy assessments — surcharges that fall on its own policyholders and, in some scenarios, more broadly across Florida policyholders. Being a Citizens customer carries a tail risk that a private policy does not.

If you are heading toward Citizens, treat it as a place to be temporarily. Fix the underwriting problem that put you there — usually the roof — and re-shop the private market.

7. How to actually lower your premium in Florida

Concrete actions, roughly in order of how much they move the number.

1. Get a wind mitigation inspection. This is the single highest-return action available to a Florida homeowner. Florida insurers are required to provide premium discounts for specific construction features that reduce windstorm loss, and the credits are large — frequently the biggest discount on the entire policy. An inspector documents features including roof covering and its code compliance, roof deck attachment (nail type and spacing), roof-to-wall connections (clips, single wraps, double wraps), roof geometry (hip roofs earn more than gable roofs), secondary water resistance, and opening protection (impact glass or shutters). The inspection typically costs a couple hundred dollars, the report is generally valid for five years, and homeowners routinely find it pays for itself many times over in the first year. If you have never had one done, do this before anything else in this list.

2. Fix the roof if it is aging. Everything in section 5 applies. A roof replacement can move you from ACV back to RCV settlement, restore eligibility with carriers that had declined you, and cut your premium — and if it comes with upgraded attachment and secondary water resistance, it stacks with the wind mitigation credits above.

3. Add opening protection. Impact-rated windows and doors, or code-approved shutters, earn wind mitigation credit and materially reduce the chance of the catastrophic pressurization failure that destroys roofs from the inside. Partial protection generally earns less credit than protecting every opening, so a half-finished shutter project may be leaving the discount on the table.

4. Choose your hurricane deductible deliberately, not by default. Moving from 2% to 5% on a $425,000 home takes your out-of-pocket exposure from $8,500 to $21,250 and will reduce your premium meaningfully. That is a legitimate trade only if you can produce $21,250 in cash within weeks of a storm. Do the arithmetic in both directions: multiply the annual premium savings by five or ten years, and compare it to the extra $12,750 you would absorb on a single claim.

5. Raise the standard deductible instead, if you want the premium relief without the catastrophic exposure. Going from $2,500 to $5,000 on the all-perils deductible affects the small, frequent claims you should arguably be self-insuring anyway, and leaves your hurricane retention where it is.

6. Re-shop annually, and especially right now. With carriers filing 7-10% decreases in 2026 and Citizens cutting rates, the Florida market is repricing in the homeowner's favor for the first time since 2019. A quote you accepted in 2024 was priced in a completely different market. Get three quotes from independent agents who represent multiple carriers, and make sure every quote uses the same dwelling limit, same hurricane deductible, and same roof settlement basis — otherwise you are comparing different products, which is how people accidentally buy an ACV roof policy to save $400.

7. Bundle home and auto. Multi-policy discounts are among the most reliable available and typically run in the 5-25% range depending on carrier. In Florida, where the home premium is unusually large, a percentage discount on it is worth more than the same percentage would be elsewhere.

8. Do not file small claims. This is unintuitive and it matters more in Florida than almost anywhere. Claims history is a primary underwriting variable here, and a single non-catastrophe claim can affect your renewal price, your eligibility with preferred carriers, and your ability to move. Between a $2,500 standard deductible and a percentage hurricane deductible, most small Florida losses are below the deductible anyway. Save the policy for the loss that would actually hurt you.

9. Ask about every discount by name. Security systems, monitored fire alarms, water leak detection devices, new-construction and newer-home credits, gated community, non-smoker, paid-in-full, and automatic payment discounts all exist and are frequently not applied unless requested. Also confirm your Coverage A limit is actually right — a dwelling limit that has drifted above real rebuild cost is money spent on coverage you can never collect.

10. Improve your credit where you can. Florida permits credit-based insurance scoring, and it is a meaningful rating factor. It is a slow lever, not a fast one, but it compounds.

What to do next

If you want these Florida figures applied to your actual house instead of a statewide average, our Florida home insurance premium calculator estimates a realistic annual premium from your dwelling limit, deductible choices, and home characteristics — and shows what drives the number rather than just producing one.

Before you set that dwelling limit, run it through the replacement cost calculator, which uses Florida's $210 per square foot construction cost to estimate what it would actually take to rebuild your home — the number your Coverage A limit should be built on, and the one the 80% coinsurance rule tests you against.

And if you are trying to decide between a 2%, 5%, or 10% hurricane deductible, the deductible calculator works each option into real dollars on your specific dwelling limit, alongside the premium difference, so you can see exactly what you are trading. It is the single most consequential choice on a Florida policy and it deserves more than a shrug at the application stage.

All of these show every number they use and where it came from — see our methodology page for the full sourcing behind every figure in this guide.

This guide is general information about homeowners insurance in Florida, based on publicly available figures current as of August 2026. It is not an insurance quote, a policy, a coverage recommendation, or legal advice, and it does not reflect your specific property, carrier, policy language, or claims history. Coverage terms, deductible options, and underwriting rules vary by carrier and change over time. For coverage specific to your home, speak with a licensed Florida insurance agent; for a claim dispute, speak with an attorney licensed in Florida.