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A Must

Why Home Insurance is a Must in Florida

Florida's homeowners face distinct risks that make home insurance not just a luxury but a necessity.

  • Hurricanes and Tropical Storms: With an annual hurricane season stretching several months, Florida is highly vulnerable to damage caused by strong winds, heavy rainfall and storm surges.
  • Flooding: Florida’s low elevation and proximity to water make it prone to flooding, particularly in coastal or low-lying regions.
  • Sinkholes: Certain parts of Florida, especially central regions, are at risk for sinkhole activity, which can severely damage home foundations.
  • Severe Weather: Thunderstorms, tornadoes and lightning strikes are frequent year-round threats in the Sunshine State.
  • Theft and Property Damage: Despite Florida’s allure, no homeowner is immune to thieves, vandalism or accidental damage.

Coverage

What Does Home Insurance Cover in Florida?

A standard home insurance policy in Florida generally includes these core protections to give you peace of mind:

  • Dwelling Coverage: Protects the structure of your home from covered perils, such as hurricanes, windstorms and fires, helping you rebuild or repair after damage.
  • Personal Property Coverage: Covers your belongings, like furniture, electronics and clothing, whether damage occurs at home or while traveling.
  • Liability Protection: Offers financial protection if someone is injured on your property or if you accidentally damage someone else’s property.
  • Additional Living Expenses (ALE): Covers temporary housing costs if your home becomes uninhabitable due to a covered loss.

Options

Additional Coverages for Florida Homeowners

Florida’s geographical and climatic conditions may require supplemental coverages for comprehensive protection. Some key policy add-ons to consider include:

  • Hurricane Insurance: While windstorm damage is typically covered in standard policies, hurricane deductibles apply in Florida. Adding hurricane-specific insurance can ensure you’re fully protected during catastrophic storms.
  • Flood Insurance: Flood damage is not covered by standard home insurance policies. Protect your property with a National Flood Insurance Program (NFIP) policy or private flood insurance.
  • Sinkhole Insurance: It is required by law for insurance providers to offer sinkhole coverage. It’s a smart option if you live in a high-risk area.
  • Water Backup and Sewer Coverage: Damage from water backing up through your drains or sewer line is often excluded in standard policies but is offered as an add-on to policies.
  • Extended Replacement Cost Coverage: Covers increased costs for labor and materials if rebuilding your home exceeds your initial policy limit.

Protect Your Florida Home Today

Your home is one of your greatest investments and protecting it shouldn't wait until disaster strikes. Whether you’re a first-time buyer in Miami or looking to reevaluate coverage on your coastal retreat in Clearwater, Goosehead Insurance is here to help.

Click the button below to compare policies, get a free quote, and find home insurance tailored to your needs. Sleep easy knowing your Florida home is in good hands.

New Customers Call 833-779-4090

Cost

How Much Does Home Insurance Cost in Florida?

Home insurance premiums in Florida are generally higher than the national average due to the state’s unique risks. Factors influencing your insurance costs include:

  • Location: Homes closer to the coast or in high-risk flood zones typically have higher premiums.
  • Age and Condition of the Home: Newer homes built to stricter building codes may receive discounts.
  • Construction Materials: Homes with hurricane-proof or impact-resistant materials often qualify for lower rates.
  • Claims History: A history of prior claims or risk factors could result in higher premiums.

Florida homeowners may pay anywhere from $1,500 to $4,000 annually for home insurance. With Goosehead Insurance, we help you compare multiple providers so that you can secure the best coverage at the most competitive rate.

Save

How to Save on Home Insurance in Florida

While home insurance is a must in Florida, there are several strategies to make it more budget-friendly without compromising coverage:

  • Bundle Policies: Combine your home and auto insurance to qualify for multi-policy discounts.
  • Invest in Stormproof Features: Installing hurricane shutters, impact-resistant windows or a reinforced roof can earn premium discounts.
  • Elevate Your Home: Raising your home above the base flood elevation (BFE) can lower flood insurance premiums.
  • Maintain a Claims-Free History: Lower your risk profile by avoiding unnecessary claims to benefit during policy renewals.

Choose Goosehead

Why Florida Homeowners Choose Goosehead Insurance

At Goosehead Insurance, we take the hassle and stress out of finding the right home insurance policy. Here’s why Florida homeowners trust us year after year:

  • Unmatched Selection: We compare policies from the country’s top insurers, saving you time and ensuring you get optimal coverage and pricing.
  • Customized Policies: Every Florida home is unique. Our expert agents tailor policies to your specific risks and needs.
  • Expert Guidance: Our knowledgeable agents walk you through the process, explain complex terms, and provide high-quality service at every step.
  • Easy, Fast Process: With Goosehead Insurance, protecting your home is straightforward and hassle-free.



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

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