In Florida home insurance is much easier to obtain than it was 8-10 years ago, but getting coverage should not be taken for granted. Many companies in Florida are not eager to insure older homes, homes close to the water or homes with prior claims. These properties are often insurable with appropriate inspections, but the home owner will pay higher rates. Home insurance carriers will give substantial discounts for homes with roofs built after 2001 and homes with hip roofs. Home policies will include separate deductibles for hurricane and non-hurricane losses.
Learn more about the other types of Homeowners Insurance: