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Homeowner's Insurance

Protect Your Home. Protect Your Family.
Find the right Homeowners Insurance policy in Florida to cover your home in case of fires, hurricanes, break-ins, and more.

What Does Homeowner's Insurance in Florida Cover?

Home insurance policies in Florida provide the following types of coverage:


Covers damage or destruction to your house in the case of any untimely events, including hail, wind, fire, and theft.

Personal Property

Covers the contents of your house that are damaged, stolen, or destroyed, including furniture, clothing, technology, and appliances.


Covers you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.

Medical Expenses

Covers necessary medical expenses incurred in the event there is an accident at your home that caused bodily injury to someone else.

Loss of Use

Covers additional living expenses if your home is uninhabitable due to a covered loss. Most insurance policies pay 10% to 20% of the amount of your dwelling coverage.

Other Structures

Covers damages or destruction to other structures on your property, such as your garage, patio, fence, gazebo, small shed or barn.

Is Hurricane Damage Covered by Homeowner's Insurance?

Although Florida is a hurricane-prone region, there is no specific insurance policy that provides hurricane coverage.

Depending on your coverage, however, certain hurricane damage may be covered by your HO policy.

What Hurricane Damage is Covered by My HO Policy?

When it comes to protecting your home, it is important to know exactly what your policy covers. Your hurricane coverage will depend on a variety of factors including, where your home is located and what your particular policy includes.

Wind damage is covered by most Homeowner's Insurance policies in Florida. It is important to confirm with an insurance agent that your policy includes damages caused by windstorms during a hurricane.

Flooding caused by storm surges is generally NOT INCLUDED in a Homeowner's Insurance policy in Florida. Flooding caused by hurricane debris blowing water into your house, on the other hand, could be covered in an HO policy. Specific scenarios can be reviewed with an insurance agent.

Sewer backup is generally NOT INCLUDED in a Homeowner's Insurance policy. You can, however, add a sewer backup endorsement to your policy. If heavy rainfall from a hurricane causes sewer backup, you'd want to make sure you have both sewer backup and flood coverage to ensure you are completely covered in the event of a hurricane.

This one depends. If you evacuate your home to avoid a hurricane before it comes, your HO policy will not cover your expenses. If you return to an uninhabitable home after a hurricane passes, a portion of your policy will pay for your additional expenses incurred living elsewhere.

How do Hurricane Deductibles Work?

If your Homeowner’s Insurance policy covers certain damages from hurricanes, claims may be subject to a separate deductible that the policyholder has to pay. This is often called a hurricane deductible or named-storm deductible.


Your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000. The amount of the deductible will be 2% X $250,000 = 5,000. The insurance provider would pay the rest. ($45,000)

Factors That Affect
Home Insurance Premiums

The more risk your house carries of fire dangers, liability issues, or crime will affect your insurance premium. Check out this complete list to see what factors affect your Florida HO premium.


New houses can be up to 25% cheaper to insure than older houses due to their lower risk factor.


The size, materials used , and condition of your house will affect the insurance premium rate.


How old or new your plumbing and electrical systems will affect your insurance premium.


The condition and respective risk of a roof, garage, swimming pool, or trampoline will affect your insurance premium rate.


Expect to pay a higher premium if you live in an area prone to natural disasters, floods, and crime.


Installing security measures such as alarm systems, locks, or security cameras can reduce premiums.


Living near a firehouse or fire hydrant can lower premiums. Having fire hazards like outdated heating systems or wood-burning stoves can increases premiums.


Houses that are used to run businesses run higher risks of facing lawsuits, theft, and accidents, consequently incurring higher premiums.


Being married, owning a dog, or being an avid smoker can affect your HO Florida insurance premium.

The higher the deductible, the more money you can save on your premiums. Choosing the right deductible amount is important for your finances in the long run.

You can not be refused coverage because of low credit. On the other hand, you can be offered a discount on your premium if you have a higher credit score.

Types of Home Insurance Coverage in Florida

You should purchase enough insurance to cover 100 % of the cost of rebuilding your home in case it is damaged or destroyed. You should speak to an insurance agent to determine the type of coverage your home needs.

Actual Cash Value

This pays what the property was worth at the time it was destroyed, minus depreciation.

Replacement Cost

This is a more comprehensive option that does not account for depreciation.

Extended Value

This coverage is designed to protect against things like sudden hikes in construction costs, among other unforeseen circumstances.

Can I Still Get Coverage With a Record of Accidents, Speeding Tickets, or DUIs?

Answer: Yes.

Stellar Re agents understand that no one has a spotless driving record – and we know just who to call. Let our agents help you find and a carrier that specializes in your unique situation.

Build Your Personalized Homeowner's Insurance Policy in Florida

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