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Whether you’re a first-time homeowner or you recently moved to Florida, you’ll need homeowners insurance to protect your home against natural disasters like hurricanes, floods, and other hazards. Though, if you’re new to Florida, it’s important to understand how homeowners insurance here is different than in other states. From roof requirements to higher-than-expected premiums, new Florida homeowners may be caught off guard when searching for a policy in the Sunshine State.

To help you get started, read on for your complete guide to getting homeowners insurance in Florida. Afterward, if you’re ready to start exploring your options, contact our team at FIB Insurance for a free homeowner’s insurance quote.

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What Does Homeowners Insurance Cover?

Homeowners insurance includes several coverages that can help protect your property and personal belongings against hazards like theft, vandalism, hurricanes, and fires.

These coverages...


When it comes to homeowners insurance in Florida, you’re likely to feel frustrated. The truth is that it isn’t easy to find a policy. This is true for a couple of reasons. First, we know that homeowners are at high risk of hurricane and storm damage due to the state’s coastal location. As a result, premiums are often higher, and depending on their specific location, it may be difficult to find coverage. To make things even more difficult, Florida residents need to understand roof requirements for homeowners insurance. If your roof is too old or in poor condition, you may be denied coverage until you repair or replace your roof.

Luckily, FIB Insurance is here to help you stay covered! Read on to learn everything you need to know about roof requirements for homeowners insurance in Florida. Afterward, remember to explore your options by requesting a free quote for a new homeowners insurance policy with FIB Insurance.

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Water damage is a leading cause of homeowners insurance claims. Yet, the answers are murky when it comes to knowing whether these damages will be covered or not. So, how do you know if your plumbing repairs will be covered? And most importantly, when do you know to push back on a claim that is denied by your homeowners insurance policy? Our team at FIB Insurance is here to answer all your questions! Read on to learn more.

Covered vs. Uncovered Plumbing Issues

Plumbing issues, like burst pipes or leaks, may be covered if they are sudden or unexpected. However, plumbing issues that result from negligence or a lack of maintenance are often not covered. This highlights the importance of having a plumbing maintenance checklist to address small issues before they become emergencies.

The most important thing to remember concerning homeowners insurance coverage for plumbing issues is that it typically only applies to unexpected and sudden damages. It...


Homeowners depend on homeowners insurance to protect their property and personal belongings against common hazards, ranging from theft and vandalism to fires and windstorms. Lenders also typically require borrowers to have homeowners insurance before being approved for a mortgage, making it a necessity for anyone that wants to purchase a home.

Unfortunately for Florida homeowners, home insurance premiums are often more expensive in the Sunshine State than elsewhere in the United States. This can make it difficult for Florida residents to find affordable policies that offer sufficient coverage against common disasters.

Read on to learn why homeowners insurance premiums are higher in Florida and what you can do about it.

Why Is Homeowners Insurance Expensive in Florida?

Florida residents may be faced with higher homeowners insurance premiums due to the simple fact that there is a greater risk of natural disasters that can cause extensive damage.

Due to Florida’s location between the Atlantic Ocean and the Gulf of Mexico, the...

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Homeowners insurance protects your home and personal belongings against a variety of common hazards, including fires, windstorms, vandalism, theft, and more. But if you own any rental properties, you’ll need rental property insurance as standard homeowners insurance policies do not cover properties that you don’t live at.

While there are some special circumstances in which homeowners insurance might cover a rental property, in most cases, you’ll need rental property insurance to cover the unique risks that come with letting a tenant occupy your property.

Here’s what you need to know about whether or not homeowners insurance covers rental properties.

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Does Homeowners Insurance Cover Rental Properties?

Homeowners insurance offers several standard coverages to help protect your personal belongings and primary residence against common risks. These...


Depending on where you live, it may be necessary to purchase flood insurance to protect your home and personal belongings against severe water damage. Homeowners insurance doesn’t cover flood damage, making flood insurance an important consideration for homeowners in areas that are at high risk of floods.

For homeowners in hurricane-prone areas, flood insurance may not cover all of the damages that result from a hurricane. While it does cover flood damage caused by hurricanes, it doesn’t cover damages to your home or personal property caused by strong winds, lightning, or other conditions that may be present during a hurricane. Here’s everything you need to know about whether or not flood insurance covers hurricane damage. Or, if you’re ready to get covered, contact our team at FIB Insurance for a free quote.

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What Is Flood Insurance?

Flood insurance covers damages to your home that are caused by flooding. Standard...


States like Florida are very susceptible to hurricanes and other types of storms, making it important for homeowners to have hurricane insurance to protect their homes and personal belongings against damages.

However, in areas that have high hurricane risk, homeowners insurance policies often have hurricane deductibles for hurricane-related damage. Understanding how hurricane deductibles work will help you better understand what your financial obligations are if your home is damaged by a hurricane.

Here’s everything you need to know about hurricane deductibles, including how they work and how to calculate them.

What Is Hurricane Insurance?

Hurricane insurance is a part of your homeowners insurance policy that protects your home against hurricanes and tropical storms. In coastal Florida cities like Miami, Kendall, Pembroke Pines, and Weston, hurricane insurance is particularly important as your home is more likely to be damaged by one of these natural disasters.

If a hurricane damages your home or personal belongings,...


Due to the warm climate, homeowners in Miami often have pools or consider installing pools to stay cool during the summer months. But does having a pool affect your homeowners insurance policy? Read on to find the answer. For immediate questions about Miami, Florida, homeowners insurance, or if you are looking to upgrade or change your current policy, request a free quote from our team at FIB Insurance.

What Does Homeowners Insurance Cover?

Homeowners insurance covers damage to your home and property, including your pool, against a variety of hazards. Remember, having a pool means you have one more thing that you need your insurance to cover. As a result, this requires you to adjust your coverage and your rates.

Pool owners should also consider increasing their liability coverage as having a pool makes accidents on your property more likely to occur. A standard homeowners insurance policy includes several coverages designed to protect you, your...

home insurance

Homeowners insurance provides comprehensive coverage to protect your home and personal belongings against damages caused by common hazards. To fully understand what your policy covers, it’s important to review your homeowners insurance declarations page.

Aerial view of hurricane

To stay safe during hurricane season, homeowners need to make an evacuation plan, prepare an emergency kit, and protect their homes against potential damages caused by hurricanes and tropical storms. Here are 10 steps to prepare for a hurricane.