Скачать или смотреть The Must Knows About Florida Home Insurance – Are You Covered?

Are you certain your Florida home insurance policy actually covers everything you think it does? Many homeowners are surprised to find out that standard policies don’t always protect against the biggest risks in the state. In this video, we break down the must-knows about Florida home insurance so you can make sure you’re covered.

Here’s what you need to know:

Homeowners Insurance Basics: While not legally required in Florida, lenders will require it if you have a mortgage. Even if you own your home outright, insurance helps protect your investment from unexpected losses.

What’s Typically Covered: Standard policies cover your dwelling, personal property, and liability if someone gets injured on your property. These protections are essential but not comprehensive.

What’s Not Covered: Flood damage, hurricane-related wind damage in some cases, and earth movement (like sinkholes or landslides) are often excluded. Wear and tear, including roof deterioration, also isn’t covered.

Additional Policies You May Need: Flood insurance and windstorm coverage are critical in Florida, especially in South Florida where hurricanes and storm surges are a real risk. These policies fill in the gaps left by standard homeowners insurance.

Key Reminders: Most windstorm policies have separate deductibles, which can be a significant expense. Also, insurance requirements and costs vary by county and even city, so always factor this into your homeownership budget.

The bottom line? Having only a standard homeowners policy in Florida may leave you exposed. To truly protect your home, you need to understand and potentially carry all three: general homeowners insurance, flood insurance, and windstorm coverage.

If you’re unsure about your current coverage or have questions about Florida home insurance, this video will give you the clarity you need.

🔔 Subscribe for more insights on everything Fort Lauderdale Real Estate,

Visit my website: www.SteveMcAleer.com | Realtor Associate

📲 Give me a call: (954) 205-5333

Follow me on social media!

Instagram: Instagram (@stevemcaleerrealtor)

Facebook: Steve McAleer - Realtor | Surfside FL (@realtorstevemcaleer)

Tik Tok:   / stevemcaleerrealtor  

Steve McAleer | Licensed Realtor | The Agency RE | Fort Lauderdale, FL

DISCLAIMER:
This video may contain images, video clips, and media elements that are either licensed, used under fair use, obtained from royalty-free sources, or believed to be in the public domain. All content is used for educational, commentary, informational, or illustrative purposes only and is not intended to infringe upon any copyright. If you are the rightful owner of any media used and believe it has been used improperly, please contact us, and we will promptly address the matter.