Buying Homeowners Insurance In Florida Access

Meet Elena, a first-time homebuyer who found her dream home in St. Petersburg, Florida. She was thrilled until she started looking for homeowners insurance—a journey that taught her Florida’s market is unlike anywhere else. 1. The "Ticking Clock" of the Roof

Finally, Elena’s broker gave her a critical warning: her standard homeowners policy . Even though her home wasn't in a high-risk flood zone, she learned that standard policies exclude damage from rising water or storm surges. She decided to add a standalone flood insurance policy to avoid being part of the 85% of Floridians who are left unprotected when heavy rains hit. Lessons from Elena's Story buying homeowners insurance in florida

: Usually a percentage (like 2%) of the home’s total insured value. For a $300,000 home, she’d have to pay the first $6,000 of storm damage out-of-pocket. Meet Elena, a first-time homebuyer who found her