Florida Home Insurance Guides
In-depth, plain-language reference guides on the topics that matter most to Florida homeowners. No jargon, no sales pitch — just the information you need.
These guides are evergreen references — they cover how Florida home insurance works, what your options are, and how to make informed decisions. Each guide is 2,000+ words of detailed, actionable content written for Florida homeowners.
Deductibles
Hurricane Deductibles in Florida
Your Florida hurricane deductible is a percentage, not a flat dollar amount. A 2% deductible on a $400K home means $8,00...
Save 20–45%
Wind Mitigation Inspections in Florida
A Florida wind mitigation inspection costs $75–$150 and can save 20–45% on your home insurance premium. Here's what insp...
Citizens
Citizens Property Insurance in Florida
Citizens Property Insurance covers 395K+ Florida homes as the insurer of last resort. Over 60% of policyholders qualify ...
FMAP
The Florida Market Assistance Plan (FMAP)
FMAP is a free state service that helps Florida homeowners find insurance coverage. Here's how it works, what it can and...
Flood
Flood Insurance in Florida
Standard Florida home insurance does NOT cover flooding. 25% of FL flood claims come from outside high-risk zones. Priva...
Coverage
ACV vs. Replacement Cost in Florida
ACV roof coverage on a Florida home could pay you $4,000 for a $30,000 roof replacement. Understand the difference betwe...
Condo Owners
Florida Condo Insurance (HO-6)
Your FL condo master policy covers the building — not your unit's interior, personal property, or liability. Here's what...
Non-Renewal
Non-Renewed in Florida? The Complete Guide to Finding Replacement Home Insurance
Your FL home insurance was non-renewed. This guide covers why it happened, your timeline, how to find replacement covera...
Free Coverage Review
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