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Florida Homeowners’ Insurance Coverage

Florida Homeowners’ Insurance Coverage

If you own a home, then you should make sure it is insured with a homeowners’ insurance policy. In fact, if you have a mortgage on your home, your lender may require it. Insurance will repair or replace your home if it is damaged by extreme weather conditions and disasters such as fires, storms, hurricanes and tornadoes.

Floods and earthquakes are typically not covered under standard homeowners’ insurance policies. However, you can purchase separate policies if you live in a high-risk area and are concerned about these situations affecting your home.

Homeowners’ insurance policies offer many different types of coverages. There is not a one-size-fits policy for every home. There are many options to consider based on the age and location of your home. Here are some of these coverages in more detail.

Coverage A

Coverage A provides coverage for the structure of your home. If you suffer a loss, it will be covered at replacement cost. Your insurer will use the construction costs in place at the time of the loss to repair or rebuild your home. This cost may differ from the actual value of your home. The coverage limit typically ranges from $200,000 to $1 million.

Coverage B

Coverage B covers any other structures located on the premises. These may include a gazebo,  unattached garage, in-ground swimming pool and pool enclosures. The coverage limit ranges from 2% to 70% of Coverage A.

Coverage C 

Coverage C covers the contents of your home in the event they are stolen or damaged. It will repair or replace personal belongings such as clothing, furniture, jewelry, appliances and electronics. The limit is generally up to 75% of Coverage A.

Coverage D

Coverage D provides coverage if you cannot use your home due to a disaster. If your home is rendered uninhabitable, this coverage will pay for expenses so you can live somewhere else. You will receive funds to pay for a place to stay, as well as food and clothing. The coverage limit is typically 10-20% of Coverage A.

Coverage E

Coverage E protects you in the event that someone sues you for causing them bodily injury or property damage. This type of liability can protect you when unforeseen situations occur, such as a neighbor or friend twisting their ankle or falling. The coverage limit typically ranges from  $100,000 to $500,000.

Coverage F

Coverage F provides medical payments to guests if they are injured by you, your family members or your property. The coverage limit is typically up to $5,000.

Get Legal Help for Your Florida Insurance Case

Homeowners’ insurance can help repair your home in the event of a disaster or cover your belongings if there is a theft. If you currently have a homeowners’ policy, make sure you understand what is covered and what is not.

Need to file a claim? Getting the runaround from your insurer? Get help from the Tampa insurance liability attorneys at Pawlowski//Mastrilli Law Group. We will help hold your insurance company accountable. Fill out the online form or call 813-242-4404 or to schedule a free consultation today.


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