Moving to Florida
Florida Home Insurance Guide
Insurance Is the #1 Surprise for New Florida Homeowners
Florida has a unique insurance landscape unlike any other state. Understanding what you need — and what your policy actually covers — before you close is critical. Jason works with trusted insurance contacts who specialize in Florida properties to make sure you're fully protected and not overpaying.
🛡️ Homeowners Insurance
Florida homeowners insurance averages $2,000–$4,000/year — higher than the national norm due to hurricane risk. Rates vary significantly by location, age of roof, and construction type.
🛡️ Flood Insurance
Standard homeowners policies do NOT cover flooding. If your home is in a FEMA-designated flood zone, your lender will require separate flood insurance through the NFIP or a private carrier. Even outside flood zones, it's worth considering.
🛡️ Wind / Hurricane Insurance
Florida homeowners policies typically include wind coverage, but high-value homes or those in coastal areas may need a separate wind policy through Citizens or private market carriers.
🛡️ Roof Age Matters
Insurers heavily scrutinize roof age in Florida. A roof over 15–20 years old can dramatically increase your premium or make you uninsurable. Always factor roof condition into your purchase decision.
🛡️ 4-Point Inspection
Most Florida insurers require a 4-point inspection on older homes — covering roof, electrical, HVAC, and plumbing — before issuing a policy. Budget $150–$250 for this during your due diligence.
🛡️ Wind Mitigation Report
A wind mitigation inspection documents your home's storm-resistance features. If your home qualifies, it can save you 10–40% on your wind premium. Jason's team coordinates this during escrow.
Get an Insurance Review Before You Buy
Jason connects every buyer with trusted local insurance agents before closing — no surprises at the finish line.
Call Jason — 407-412-3174