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Navigating Storm Season

Navigating Storm Season: An Informative Guide to Different Types of Insurance in SWFL


Florida Homeowner’s Insurance is here to assist you in repairing, rebuilding, or replacing personal property due to covered losses. Typical coverage includes structural damage caused by fire, water, fallen trees, or storms. Let’s dive deeper into available coverage options and how to navigate the insurance selection process for your property.


  • Key Components of a Standard Homeowner’s Insurance Policy
  • Dwelling
  • Other Structures (shed, detached garage…)
  • Personal Property
  • Loss of Use and Additional Living Expenses
  • Personal Liability
  • Medical Expenses


In addition to standard coverage, it’s worth considering additional safeguards such as mold, sewer backup, screen enclosures/pool cage protection, fraud coverage, and pet liability.


What is Wind Insurance?

Windstorm insurance is a special type of property-casualty insurance that safeguards against property damage caused by gusty events like tornadoes, hurricanes, and gales. This coverage typically includes physical damage to the property and personal belongings. When obtaining a mortgage, most lenders mandate windstorm coverage. To maximize available credits, it is recommended to obtain a Wind Mitigation Inspection that assesses key features and add-ons protecting your home from hurricane or strong windstorm damage.


What is Flood Insurance?

Flood insurance provides coverage against property loss resulting from flooding. No home is completely immune to potential flooding, making flood insurance essential. Typical homeowners’ insurance does not cover flood damage, so renters should also consider flood insurance to protect the contents of their living space. Mortgage lenders typically require flood insurance for properties in flood zones. The Elevation Certificate for a property helps insurers assess the level of risk associated with a property within a flood zone. For more information, visit


Navigating the Process

Navigating the process of securing suitable storm insurance can be overwhelming, especially for first-time buyers. The most important step is to work with a professional and experienced insurance agent who can guide you through the entire process.


Stay informed and protected during Storm Season in SWFL!

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