Homeowners Insurance Florida

Florida's geographical position on the Gulf Coast leaves it vulnerable to significant insurance perils, resulting in the nation's highest homeowner insurance costs. Here are the most common and costly perils to look out for when buying home insurance. Wind damage High winds brought by storms and hurricanes are among the most frequent and costly causes of property damage in Florida. Fortunately, wind damage is covered by homeowner's insurance, regardless of what form of policy you get. The only exception is that numerous coastal homes that are extensively susceptible to wind damage may require you to purchase a unique wind endorsement.  The great news is that state law requires insurers to provide discounts for homeowners who purchase and pass a wind mitigation inspection. This inspection is optional, but the resulting discounts on your home insurance can easily make up for the upfront cost if you pass. If you don't, it's an excellent way to identify where