Florida Home Insurance Quote

Hurricanes, flooding, and natural disasters are the obvious culprits but Florida has extremely high rates of fraud, and has had the worst litigious environment in the country. Here is a detailed explanation as to why Florida’s home insurance rates are so expensive.

Hurricane coverage is included in most standard homeowners insurance policies in Florida. It usually has a separate hurricane deductible specifically applicable during hurricane warnings. It is important to remember that flood damage caused during a storm surge from a hurricane is not covered by home insurance, it would be covered by a separate flood policy.

Flood insurance isn’t legally required unless you have a mortgage and live in a high-risk flood zone. However, given Florida’s susceptibility to flooding, it’s strongly recommended even in lower-risk areas.

Installing wind mitigation features (storm shutters, impact-resistant windows), increasing deductibles, bundling policies, and maintaining a good credit score.

A wind mitigation inspection assesses your home’s ability to withstand strong winds. In Florida, getting this inspection can lead to significant insurance discounts if your home has qualifying features like hurricane straps or impact-resistant windows.

Yes, but many insurers require roofs to be under a certain age (typically 10–15 years) to qualify for coverage. If your roof is older, you may have fewer insurance options or face higher premiums.

If your insurer goes bankrupt, the Florida Insurance Guaranty Association (FIGA) may cover outstanding claims. Carter Family Insurance will find you a new policy as soon as possible to maintain coverage.

Mold is typically covered only if it results from a sudden, covered event (e.g., a burst pipe). However, mold caused by neglect, humidity, or flooding is not covered without additional endorsements.