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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.


Homeowners insurance provides coverage against a wide range of common disasters, ranging from hurricanes and fires to vandalism and theft. Florida homeowners, in particular, are often more susceptible to damages from hazards like hurricanes and sinkholes due to their location.

Since sinkholes are such a common occurrence in Florida and the Miami area, insurance providers are required to offer endorsements that cover sinkholes. While this coverage is not required, homeowners should strongly consider purchasing it if they live in an area that is susceptible to sinkholes.

Here’s everything Florida homeowners need to know about whether or not homeowners insurance covers sinkholes.

What is a Sinkhole?

A sinkhole is a depression in the surface of the ground that occurs when the surface layer of the ground suddenly collapses. When this occurs near a house, it can cause extreme damage to the home’s structure and foundation. In some cases, sinkholes can even completely destroy a property.

Damages caused by sinkholes can be extremely costly to...


Homeowners insurance offers essential coverage that protects your property and personal belongings against a variety of common hazards, ranging from theft and vandalism to fires and storms. But if you own an expensive, high-value home, standard homeowners insurance may not be enough.

If you own a high-value home, you may want to consider purchasing high-value homeowners insurance to ensure your home has adequate coverage. For standard home insurance policies, the dwelling coverage may not fully cover the features of your home. High-value home insurance provides higher coverage limits and unique coverages designed specifically for high net worth homeowners.

Here’s everything you need to know about high-value homeowners insurance in Miami, FL.

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Why Do You Need High-Value Homeowners Insurance?

The classification of high-value homes vary depending on where you live, but typically a high-value home has a replacement cost of $750,000 or more. This...


Homeowners looking for ways to save during tax season may be wondering if their homeowners insurance premiums are tax deductible.

In general, the answer is no. You typically can’t deduct your homeowner insurance premiums from your taxes. However, homeowners that work from home, rent out their homes, or have made claims that were denied may be able to claim certain deductions on their taxes.

Here’s what you need to know about whether or not homeowners insurance is tax deductible in Florida.

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Is Homeowners Insurance Tax Deductible?

The short answer is no. In most circumstances, homeowners insurance is not tax deductible in Florida or anywhere else in the United States. This means that you cannot itemize any payments for home insurance on your tax return, including payments for fire, theft, or comprehensive coverage.

There can be some exceptions to this. For example, if you rent out your home or use a part of your home as a home office, you may be...


Due to the extreme weather conditions often present in Florida, residents need homeowners and hazard insurance to protect their properties against a variety of common risks. From hurricanes to fires, hazard insurance can help you repair or rebuild your home if it is destroyed by a covered hazard.

Hazard insurance is part of every standard homeowners insurance policy and is essential to keeping your property safe. Mortgage providers also typically require homeowners to have hazard insurance before being approved for a loan, making it a necessity for anyone that wants to purchase a home.

Here’s what you need to know about whether or not you need hazard insurance on your Florida home.

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What is Hazard Insurance?

Hazard insurance is the portion of your homeowners insurance policy that protects your home against common disasters. This may include perils like fires, hurricanes, windstorms, theft, and more.

Hazard insurance generally refers to the...


Your roof protects your home from the elements, and any damage to your roof can also lead to interior damage due to rain, storms, and other hazards. In areas like Miami, your home’s roof may be even more susceptible to damage due to harsh weather conditions.

Understanding what factors contribute to roof damage and how you can mitigate roof damage can help you avoid costly repairs and protect your home’s interior. Here’s everything you need to know about how long your roof may last and what you can do to increase its lifespan.

How Long Does a Roof Typically Last?

The lifespan of your roof largely depends on what materials it is made out of. In Miami, shingles are commonly used due to their low cost and great durability. Standard asphalt shingles can last up to 20 to 30 years, but in Florida, they may not last quite as long due to the high heat, moisture, and storms that they are exposed to.

Alternatively, some Miami residents may choose to use tile roofing. When properly maintained, tile roofs can last upwards of 50 years due to their...


Homeowners insurance companies can cancel your policy for a number of reasons. This can be very worrying as it leaves you and your home vulnerable to a variety of common hazards.

If your homeowners insurance policy is cancelled, it’s important to act quickly to find a new policy that suits your coverage and financial needs.

Here’s everything you need to know about what happens if your homeowners insurance is cancelled.

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Homeowners Insurance Cancellation vs. Non-Renewal

Homeowners insurance cancellations and non-renewal notices both indicate that your insurance company does not plan to continue providing coverage to you, but there are a few differences between the two.

Your insurance company can typically cancel your policy within 60 days of the policy’s inception for any reason. After this period, they usually only cancel your policy if you stop paying your insurance premiums or if you violate the terms of your policy.

If you stop paying...