Resource Hub
Know Your Coverage
Tools, guides, and plain-English explanations to help you make smart insurance decisions.
Home Insurance
Homeowners insurance protects your home's structure, your belongings, and your liability if someone is injured on your property.
Typically Covers
Pro tip: Insure your home for its rebuild cost, not its market value. These are often very different numbers in Florida.
Auto Insurance
Florida requires PIP (Personal Injury Protection) and Property Damage Liability. Comprehensive and collision are optional but important.
Typically Covers
Pro tip: Florida has the highest rate of uninsured drivers in the US. UM/UIM coverage is essential here.
Flood Insurance
Standard homeowners insurance does NOT cover flooding. Flood insurance is a separate policy and one of the most important things a Florida homeowner can have.
Typically Covers
Pro tip: There's typically a 30-day waiting period on NFIP policies. Don't wait until a storm is named.
Umbrella Coverage
An umbrella policy provides $1M+ of additional liability protection above your home and auto limits — for a surprisingly low annual premium.
Typically Covers
Pro tip: If your net worth exceeds your auto + home liability limits, an umbrella is non-negotiable.
Top Gotchas
What most agents won't tell you
Post-Bind Inspections
After a policy is bound, carriers send their own inspector. If they find issues — old roof, code violations, condition concerns — they can adjust your rate or cancel coverage.
Coverage Limitations
There may be a reason you got a cheaper quote. Sub-limits, higher deductibles, and excluded perils can leave you seriously exposed when it matters most.
Inaccurate RCEs
High-volume 'bind & grind' agencies often rush Replacement Cost Estimates. An inaccurate RCE means your home is underinsured — you won't find out until you file a claim.
Flood Zone Guide
Know your risk level
Coastal areas with wave action. Highest risk, highest rates. Flood insurance typically required.
100-year floodplain. Flood insurance required for federally backed mortgages.
Shallow flooding areas. Flood insurance strongly recommended.
500-year floodplain. Not required but highly recommended. Private flood often affordable here.
Minimal flood hazard. Insurance still recommended — 25% of claims come from low-risk zones.
Insurance Glossary
Deductible
The amount you pay out of pocket before insurance kicks in. Higher deductible = lower premium.
Dwelling Coverage (Coverage A)
Pays to rebuild or repair the physical structure of your home.
Personal Property (Coverage C)
Covers your belongings inside the home — furniture, electronics, clothes, etc.
Loss of Use (Coverage D)
Pays for temporary living expenses if your home becomes uninhabitable after a covered loss.
Liability Coverage
Protects you if someone is injured on your property or you're legally responsible for damages.
Flood Zone
FEMA-designated areas based on flood risk. Zone A and V are high-risk; Zone X is low-to-moderate risk.
Wind Mitigation
Construction features that reduce wind damage. A wind mitigation inspection can significantly lower your premium.
Replacement Cost vs. Actual Cash Value
Replacement cost pays to rebuild/replace at today's prices. Actual cash value deducts depreciation.
Umbrella Policy
Extra liability coverage above your home and auto limits — usually $1M+ for a very affordable premium.
Non-Admitted Carrier
An insurer not licensed in your state but legally allowed to operate via the surplus lines market. Often used for unique risks.