What Should I Know About Florida Homeowners Insurance?

What You Need to Know About Homeowners Insurance in Florida

If you are moving to Palm Beach County, Jupiter, or anywhere along the South Florida coast, homeowners insurance works a little differently here. The combination of coastal exposure, storm risk, and rising construction costs means buyers need to understand how policies are structured and what to expect before closing. The Meyer Lucas Team guides hundreds of families through this process each year, and here are the key things to keep in mind.

Florida policies are typically more specialized than other states. Standard coverage is still available, but carriers often break out certain protections into separate policies or add ons. Wind coverage, flood insurance, and roof requirements are some of the biggest differences relocators notice. Understanding what your future home needs can help you budget more accurately from the start.

Wind and hurricane coverage are major factors. Most homes near the coast will have a separate wind deductible that is based on a percentage of the dwelling value. Homes with impact windows, newer roofs, and updated building codes often qualify for better rates. This is one of the reasons so many buyers look for newer construction in Jupiter, Tequesta, and Palm Beach Gardens.

Flood insurance is not automatically included. If a home is in a designated flood zone, you will likely need a separate flood policy. Even homes outside the official zones sometimes choose to add it for peace of mind. Your lender and your insurance provider will help determine what is required based on the property address.

Roof age matters more in Florida than almost anywhere else. Many carriers prefer roofs under fifteen years old, especially asphalt shingle roofs. Metal roofs and tile roofs generally hold more value and can help with insurability. This is why roof condition is one of the most important things buyers review during inspections.

Shopping policies is normal. Florida insurance can vary widely between carriers. It is common to get quotes from multiple companies just to compare coverage options and deductible structures. Local insurance brokers who specialize in South Florida properties can be a huge help.

The biggest tip is to start the conversation early. The Meyer Lucas Team works hand in hand with lenders, inspectors, and insurance pros to help you understand what coverage your new home will need. Florida insurance may look different from what you are used to, but with the right guidance it becomes a simple part of the buying process and gives you confidence that your investment is protected in one of the most beautiful coastal regions in the country.

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