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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...


Home insurance covers a wide range of common hazards, including fires, windstorms, theft, vandalism, and more. But when it comes to water damage, it can be a little confusing to determine what your home insurance policy does and does not cover.

Most home insurance policies cover some types of water damage, including water damage caused by overflowing appliances, but other types of water damage, like floods and sewage backups, are often not covered.

Here’s what you need to know about whether or not home insurance covers water damage.

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Home Insurance Coverages

Home insurance policies include two main coverages that can help protect your home and personal belongings against certain types of water damage, including:

Dwelling coverage: Dwelling coverage helps pay to repair or rebuild your home when it is damaged by a covered peril, which may include water damage from...


Taking advantage of low interest rates is the primary reason most homeowners decide to refinance their mortgages. By refinancing your mortgage and securing a lower interest rate, you can save significant amounts of money in the long term.

But it’s important for homeowners to know when refinancing is and isn’t a good idea.

Even if mortgage interest rates are dropping, the decision to refinance your home should be based on several factors, including your personal financial circumstances.

Here’s what you need to know about refinancing your home, including how it works and factors you should consider.

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How Does Refinancing Work?

Refinancing your home means you are taking out a new mortgage to replace your existing mortgage. This process can help homeowners secure lower interest rates, adjust their mortgage repayment period, or add to or withdraw from their home equity.

When refinancing your home, you use the funds from your new mortgage to pay...


One of the primary factors that impacts your homeowners insurance rate is your dwelling coverage limit, which is typically based on the replacement cost value of your home. The higher your home’s replacement cost value is, the higher your home insurance rate is likely to be.

Replacement cost value is based on the cost to rebuild your home from the bottom up to its original quality, including construction and materials costs. As the cost of building materials has been on the rise, home insurance rates have also increased.

To help you understand these rising costs, here’s what you need to know about homeowners insurance and the rising cost of building materials.

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Replacement Cost Value & Actual Cash Value

Homeowners should understand the difference between replacement cost value and actual cash value as it directly relates to their dwelling coverage limit.

Replacement cost value is the total cost, including construction and building materials,...


Home insurance protects homeowners against a variety of common hazards ranging from storms and fires to vandalism and theft. But what about mold?

Mold can pose serious health hazards and can be quite costly to remove. Whether or not your home insurance policy covers mold largely depends on the source of the mold. For mold removal to be covered, its underlying cause must be one of the covered perils named in your insurance policy.

To help you better understand your coverage, here’s what you need to know about whether or not home insurance covers mold.

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When Does Home Insurance Cover Mold?

Mold is typically only covered by home insurance if it is caused by one of your policy’s named perils. You can refer to your policy’s declarations page to find out what perils you are covered against.

For example, if your home’s water heater bursts and the resulting water damage causes mold growth, your home insurance policy should cover the damages.