Research before you insure
Florida insurance answers, without the runaround.
Clear, Florida specific guidance for homeowners, buyers, investors and the professionals who advise them.
Find a clear answer
What do you need help understanding?
55 practical answers
What is a wind mitigation inspection in Florida?
Direct answer, Florida considerations, common mistakes and next steps.
How does a wind mitigation inspection lower homeowners insurance?
Direct answer, Florida considerations, common mistakes and next steps.
What is a 4 point inspection?
Direct answer, Florida considerations, common mistakes and next steps.
When is a 4 point inspection required in Florida?
Direct answer, Florida considerations, common mistakes and next steps.
How does roof age affect Florida homeowners insurance?
Direct answer, Florida considerations, common mistakes and next steps.
Can an old roof prevent me from getting homeowners insurance?
Direct answer, Florida considerations, common mistakes and next steps.
How can I lower my Florida homeowners insurance premium?
Direct answer, Florida considerations, common mistakes and next steps.
Does homeowners insurance cover hurricane damage?
Direct answer, Florida considerations, common mistakes and next steps.
How do hurricane deductibles work in Florida?
Direct answer, Florida considerations, common mistakes and next steps.
What is replacement cost coverage?
Direct answer, Florida considerations, common mistakes and next steps.
Replacement cost versus market value
Direct answer, Florida considerations, common mistakes and next steps.
What happens if my insurance company non renews my home?
Direct answer, Florida considerations, common mistakes and next steps.
Citizens Insurance versus private insurance
Direct answer, Florida considerations, common mistakes and next steps.
Does homeowners insurance cover flooding?
Direct answer, Florida considerations, common mistakes and next steps.
Do I need flood insurance if I am not in a flood zone?
Direct answer, Florida considerations, common mistakes and next steps.
Can my mortgage lender require flood insurance?
Direct answer, Florida considerations, common mistakes and next steps.
What is FEMA flood zone AE?
Direct answer, Florida considerations, common mistakes and next steps.
Private flood insurance versus NFIP
Direct answer, Florida considerations, common mistakes and next steps.
How much flood insurance does a mortgage lender require?
Direct answer, Florida considerations, common mistakes and next steps.
What is HO6 condo insurance?
Direct answer, Florida considerations, common mistakes and next steps.
What does a Florida condo owner’s policy cover?
Direct answer, Florida considerations, common mistakes and next steps.
What is loss assessment coverage?
Direct answer, Florida considerations, common mistakes and next steps.
What insurance does a landlord need in Florida?
Direct answer, Florida considerations, common mistakes and next steps.
What insurance do I need for an investment property?
Direct answer, Florida considerations, common mistakes and next steps.
What insurance is appropriate for a high value Florida home?
Direct answer, Florida considerations, common mistakes and next steps.
What is umbrella insurance?
Direct answer, Florida considerations, common mistakes and next steps.
How much umbrella insurance should I carry?
Direct answer, Florida considerations, common mistakes and next steps.
How much dwelling coverage do I need for my home?
Direct answer, Florida considerations, common mistakes and next steps.
What does homeowners insurance not cover?
Direct answer, Florida considerations, common mistakes and next steps.
What is ordinance or law coverage?
Direct answer, Florida considerations, common mistakes and next steps.
Should I choose a 2% or 5% hurricane deductible?
Direct answer, Florida considerations, common mistakes and next steps.
What does commercial general liability insurance cover?
Direct answer, Florida considerations, common mistakes and next steps.
Does general liability insurance cover employee injuries?
Direct answer, Florida considerations, common mistakes and next steps.
What is the difference between a certificate of insurance and an additional insured?
Direct answer, Florida considerations, common mistakes and next steps.
How much general liability insurance does my business need?
Direct answer, Florida considerations, common mistakes and next steps.
What is the difference between a BOP and a commercial package policy?
Direct answer, Florida considerations, common mistakes and next steps.
What does business interruption insurance cover?
Direct answer, Florida considerations, common mistakes and next steps.
Does commercial property insurance cover flood damage?
Direct answer, Florida considerations, common mistakes and next steps.
What is hired and non-owned auto insurance?
Direct answer, Florida considerations, common mistakes and next steps.
How much bodily injury liability auto insurance should I carry?
Direct answer, Florida considerations, common mistakes and next steps.
Do I need uninsured motorist coverage in Florida?
Direct answer, Florida considerations, common mistakes and next steps.
What is the difference between comprehensive and collision coverage?
Direct answer, Florida considerations, common mistakes and next steps.
Should I bundle my home and auto insurance?
Direct answer, Florida considerations, common mistakes and next steps.
What is the difference between flood building coverage and contents coverage?
Direct answer, Florida considerations, common mistakes and next steps.
Is there a waiting period for flood insurance?
Direct answer, Florida considerations, common mistakes and next steps.
Does my FEMA flood zone determine my flood insurance price?
Direct answer, Florida considerations, common mistakes and next steps.
What is excess flood insurance?
Direct answer, Florida considerations, common mistakes and next steps.
What does a personal umbrella policy cover?
Direct answer, Florida considerations, common mistakes and next steps.
What liability limits do I need before buying umbrella insurance?
Direct answer, Florida considerations, common mistakes and next steps.
Can umbrella insurance cover rental properties and boats?
Direct answer, Florida considerations, common mistakes and next steps.
What is the difference between umbrella and excess liability insurance?
Direct answer, Florida considerations, common mistakes and next steps.
How is high value home insurance different from standard homeowners insurance?
Direct answer, Florida considerations, common mistakes and next steps.
What is extended or guaranteed replacement cost coverage?
Direct answer, Florida considerations, common mistakes and next steps.
Should jewelry, art, watches and collectibles be separately scheduled?
Direct answer, Florida considerations, common mistakes and next steps.
What insurance should a high net worth family carry?
Direct answer, Florida considerations, common mistakes and next steps.