Florida's insurance market is still tough in 2026. Don't get surprised by what your policy actually covers.
Key points
- Standard homeowners insurance does NOT cover floods
- Wind/hurricane deductibles often 2–5% of home value
- Impact windows, doors & metal roofs = big premium discounts
- Flood insurance is separate and required in many Central FL areas near lakes
- Shop quotes every year — Citizens is last resort
Central FL tip: Inland Lake/Orange County properties usually cost less to insure than coastal.
Typically Covered
- Wind & hurricane damage (with deductible)
- Roof & structural storm damage
- Fire, theft & liability
NOT Covered
- Flood & storm surge
- Rising lake / retention pond water
- Maintenance & wear-and-tear
I'll connect you with trusted local insurance agents — message me today.
Text Stephen: 321-297-4742