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florida home owner insurance

Florida Home Owner Insurance

Getting affordable Florida home owner insurance is a bit more difficult than for other parts of the country.This is mainly due to Florida's weather conditions and terrain. Florida home owner insurance policies include the 7 basic types of plans sold in other states.

Basic homeowners insurance covers 11 types of disasters: aircraft, wind/hail, explosion, riots/civil unrest, fire/lightning, vehicles, volcano eruptions, vandalism, theft, smoke, and self-damaging instances (part of building falls on itself, etc.).

This list can be expanded to include 6 more disasters: falling objects, water damage (3 sub categories), snow/sleet/ice, and electrical surge damage.

Since 12/1/01, Florida now has a new program referred to as “HO2000.”

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