1. Coverage Types
A typical Florida home insurance policy includes:
- Dwelling Coverage: Pays to repair or rebuild your home if it’s damaged by covered perils like fire, wind, or vandalism.
- Other Structures Coverage: Covers detached structures like garages, fences, and sheds.
- Personal Property: Covers your belongings inside the home (e.g., furniture, electronics, clothing).
- Liability Protection: Covers legal costs and damages if someone is injured on your property.
- Loss of Use (ALE – Additional Living Expenses): Covers temporary living expenses if your home is uninhabitable due to a covered event.
2. Common Covered Perils
- Fire and smoke
- Lightning
- Wind and hail (though hurricane and windstorm coverage may require separate deductibles)
- Theft and vandalism
- Sudden water damage (not from flooding)
3. What’s Not Covered
- Floods: You must buy separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer.
- Sinkholes: May require additional or specific sinkhole coverage, especially in high-risk areas.
- Termite damage, normal wear and tear, earthquakes, and mold (unless sudden and accidental).
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