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What Is Covered With a FL Homeowners Insurance Policy?

Knowing the extent of your coverage for your homeowners insurance in Florida can make a huge difference when you have to file a claim. If you do not have enough coverage, you can end up paying more out of pocket than expected. For this reason, it is important to understand how much your basic insurance covers and what additions you […]


Knowing the extent of your coverage for your homeowners insurance in Florida can make a huge difference when you have to file a claim. If you do not have enough coverage, you can end up paying more out of pocket than expected. For this reason, it is important to understand how much your basic insurance covers and what additions you need to ensure you have in order to protect your home and loved ones. Should you have any questions about your homeowners insurance coverage and what is excluded from your particular policy, contact Neighbors Insurance Agency, a business offering homeowners insurance in Florida, for further information.

What is included in homeowners insurance coverage?

Your actual policy coverage can vary depending on what company you use so make sure you read through your policy thoroughly to ensure that you understand what is covered in the event of a claim; however, there are set of things that are typically included in basic homeowners insurance coverage. Dwelling, personal property, liability, medical payments, and loss of use are some of the coverage options you’ll see in a basic homeowners insurance package.

Dwelling covers actual damage to your house and property, including any fences or storage sheds. Personal property covers the physical items inside your house, whether they are stolen, damaged, or destroyed. Liability protects you as an individual from personal loss should you undergo a lawsuit and be found responsible for someone else’s injury or property damage. Medical payments covers any injuries that occur on your property to either you or your guests. It can also cover injury that happens off your property by something that is yours, such as if your dog were to bite someone. Finally, loss of use covers any living expenses that you may incur should your home be unlivable during repairs.

What is excluded?

Again, the extent to which things are excluded from your policy depends on your specific insurance company and the policy that you’ve selected. However, typically, you will find a certain number of things excluded from traditional homeowners insurance policies. For instance, it can be difficult in Central Florida to find coverage for sinkhole damage. While most insurance companies will offer coverage for catastrophic damage, they will not cover cosmetic repairs unless your home is condemned. Another thing that may not be covered is anything that can be considered a dangerous activity, such as a trampoline or unscreened pool.

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Homeowners insurance in Florida can differ greatly from other states for a variety of reasons. Due to the unique climate and landscape of Florida, certain things may not be covered in your basic homeowners insurance policy that you may want to cover. In order to ensure that you have everything covered, make sure to read through your policy and speak to your insurance company. If you need assistance or a more comprehensive homeowners insurance policy in Florida, contact Neighbors Insurance Agency for help.