---
title: "Everything You Need to Know About Florida Home Insurance | Insurance Specialists of SW Florida"
description: "A plain-English guide to Florida homeowners insurance: what a policy covers, how hurricane deductibles work, why wind mitigation and 4-point inspections matter, flood coverage, and what actually drives your premium."
lang: en
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## Surf & Turf Referral Giveaway

Refer a friend, neighbor, or family member to Insurance Specialists of SW Florida and have them mention your name for a chance to win an OGIO golf bag and a Coconut Jack's gift certificate. Drawing date 10/15/2026.

![Surf & Turf Referral Giveaway: refer someone to Insurance Specialists of SW Florida for a chance to win an OGIO golf bag and a Coconut Jack's gift certificate. Drawing date 10-15-26.](/__l5e/assets-v1/edcc3620-a69e-4646-aeb1-7e255346d32a/surf-turf-referral-giveaway.png)Close