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Homeowner's Policy Coverages

A Florida Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 888-478-7801 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Florida Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Florida Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Florida Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Florida Homeowner's Insurance premium.

Personal Factors — What you do can affect your Florida Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Florida Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on Florida Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Florida.

Payment Options

In many instances your Florida Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 888-478-7801 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

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About Homeowner's Insurance in Florida

GreatFlorida Insurance agents can easily explain the specific needs of your home in Florida. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in Florida, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in Florida will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Homeowners Insurance Florida Blog
by GreatFlorida Insurance

Gov. Rick Scott was not satisfied with the $82.4 billion budget passed during the year’s legislative session. In hopes of overhauling part of the state’s budget, he called a special three-day session.

The Orlando Sentinel reports, that with both sides bickering on the second day, it looked as if nothing would be accomplished. Accusations of a “back room” deal and a “fake narrative,” threatened success for the special session.

“In the end, law makers worked together and emerged victorious,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.


Below is a summary of what passed.

Public Schools-Public schools, PreK-12 received more money. An additional $100 was granted per student, raising funding 1.4 percent. While the increase was a step in the right direction, it is still below the national average.

Higher Education-State colleges and universities were given additional money for construction projects.

Environmental-$50 million will be provided to repair the Herbert Hoover Dike surrounding Lake Okeechobee to prevent runoff from the lake, causing toxic algae blooms.

“Toxic algae blooms are what people were describing as “awful smelling”, “blue/green slime,” that kept them from swimming in coastal waters around Martin, St. Lucie, Lee and Palm Beach counties,” reminds Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Medical Marijuana-Rules were established to implement Florida’s new medical marijuana program approved by voters in November. Among them, a ban on smoking marijuana and dispensaries must be 500 feet from school property. Also, additional treatment centers will set up around the state.

Economic Incentives-Increased funding for Visit Florida, the official Florida tourism industry marketing corporation. In addition, an $85 million job growth grant that will remain under Gov. Scott’s control.

GreatFlorida Insurance offers homeowners insurance policies from several reputable and affordable carriers. Go online for a free quote today.


The post Florida Special Legislative Session Outcome appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Worsening drought conditions have triggered a water shortage warning throughout Florida.

“Volunteering to reduce water use and conserve as much water as possible will help ease the strain placed on our water supply,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

90 percent of water used in homes and businesses comes from groundwater or aquifers. With some counties seeing only half the average rainfall amounts this year, groundwater and surface water levels are lower than usual.


The U.S. Drought Monitor puts 66 percent of the state experiencing a drought with over 39 percent suffering severe drought conditions. Florida’s drought conditions are due to lower than average rainfall amounts, low humidity and high winds.

The state has also experienced a highly active fire season with over 2,000 wildfires reported this year by the Florida Forest Service. Many counties have issued a burn ban prohibiting open fires outside. The ban does not apply to grills and barbecue pits.

“Violating the ban carries a fine up to $500 or up to 60 days in jail or both,” reports Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance provider.

Along with burn bans, many counties are under water shortage orders that could develop into mandatory orders soon. The Southwest Florida Water Management District issued a modified Phase 1 water shortage order to their 16 south Florida counties. Up north, the Suwannee River Water Management District and the St. Johns River Water Management District have also issued orders.

Water shortage orders necessitate residents to water their lawns twice a week on their designated watering days, this extends to landscape irrigation users. To find your designated days, click on the links above.

The counties also request residents to implement water conservation practices including:


Equip your hoses with an automatic shut-off

Only water your lawn and landscaping when needed

Plant native and drought tolerant vegetation


Fix any leaky pipes

Turn off the water when brushing your teeth

Time your showers

If the water shortage persists, Florida counties may consider mandatory restrictions.

GreatFlorida Insurance provides policies from several affordable carriers for your homeowners insurance needs.






The post Water Shortage Warning appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

As summer draws closer and the last day of school nears, the idea of a retreat seems essential. AAA reports that Americans continue to make family trips a priority with a significant increase in those planning three more vacations this year.

“The most intimidating part of a vacation is often the expense,” acknowledges Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

GreatFlorida Insurance is here to help with insightful suggestions to help you save money to plan a summer getaway.


When flying, try to leave on Tuesdays and Wednesdays, when fares are lower. You’ll save an avercheapair-2017-when_to_buy-infographic-v5-500pxage of $73 per ticket by flying on these days, according to the 2017 Annual Airfare Study.  Also, they found money can be saved purchasing your tickets 54 days in advanced, 99 days in advanced if you are traveling overseas.

Another finding, early-morning and late-night flights are cheaper. Check flights into and out of all available airports near you and your destination. Fares can vary greatly depending on the airport you choose.

If you must travel during a certain week, try adding or subtracting a day from your trip. A change of a day or two will generate a cheaper fare or rate. Try to avoid traveling over the summer holidays to save money. Memorial Day, The Fourth of July and Labor Day can cost the most money to travel.


When selecting where to stay on vacation it is necessary to prioritize. Decide what is most important to you; location, price, loyalty program or amenities and search for those specifically to save time.

You can price compare and search by location preferences and amenities on websites such as and . Be sure to check out a hotel’s website, they sometimes offer the best deals.

Keep in mind, many budget-friendly hotel chains offer quality amenities. In fact, budget hotels often provide free WiFi, free breakfast and sometimes free evening snacks and drinks. While larger hotel chains, often charge for internet use and don’t usually offer freebies.

If you plan to vacation for over a week check out vacation rentals over a hotel to save money. Look at home-sharing sites such as Airbnb or HomeAway. Home-sharing provides a unique, local experience for less money. Additionally, you get kitchen access, which will help curb food costs. Rentals also offer more privacy.

Buck with GreatFlorida Insurance reminds, “The host of a rental home might not have the adequate liability coverage if you injure yourself on their property, this is when your homeowners insurance can help.”


Set a budget. Break it down in to categories such as transportation, lodging, meals, entertainment and misc. expenses. In addition, consider giving your kids a daily amount for spending. This will eliminate the constant requests for a souvenir by your child and place the decision in their hands.  And they can learn to manage money in the process. Another suggestion to incorporate into your planning, create an itinerary to prevent unnecessary spending.


To take advantage of preferential treatment, share with hotel staff or flight attendants if you are celebrating a special occasion. You could receive free champagne or even a hotel upgrade.



The post Save on Summer Vacation appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

After spending a good amount of money and time planning your ideal trip you might be thinking of  purchasing travel insurance. But, you might already be covered.

Homeowners insurance, renters insurance, auto insurance and medical insurance follows you on vacation,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance provider. That includes; rental cars, illness, stolen items, lost luggage, accidental injuries and property damage. Before you buy travel insurance, check your policy and see what is currently covered. You want to avoid paying for insurance coverage beyond what is necessary.

Medical coverage

Your current health insurance policy could provide adequate coverage on your travels. Check coverage in the area you are headed. You might be surprised to find doctors and facilities that accept your health insurance even overseas.  The U.S. Department of State urges international travelers to make sure they have health insurance where they are traveling. Many foreign doctors and hospitals require cash payment and emergency medical evacuation can cost up to $100,000. Also, Medicare is not available outside of the country.

While illness is covered during your travels, a pre-existing medical condition might not be. This is a detail you will need to review with your insurance agent.

Lost or stolen items

It is a pain to arrive at your destination without your luggage. The U.S. Department of Transportation limits lost baggage claims to $3300. Keep in mind, airlines account for depreciation of your stuff so if you are traveling with golf clubs or pricey camera equipment you might want to make sure your luggage is covered. Stolen items and lost luggage are reimbursed under your homeowners insurance and renters insurance policy.

“Make sure to know your insurance coverage deductibles and limits before taking off on vacation,” says Buck with GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Rental cars

Auto insurance will extend to a rental vehicle. If you cause an accident while driving a rental car, the liability portion of your auto insurance would cover the damages to other cars or property.

Travel insurance

One of the most common misconceptions about travel insurance is the idea that you can cancel for any reason and be reimbursed. Travel insurance will reimburse you on a majority but not all expenses. Like other insurance policies, the amount you pay for travel insurance will depend on a few variables. The type of coverage you choose, how many people are traveling in your party, age, destination and the length of travel. You can expect to pay 5 to 15 percent of the cost of our trip. The deductible amount is usually $200.

Make sure you are not paying for insurance you already own. Check out your current health insurance, auto insurance, renters insurance and homeowners insurance policy to see how much you are covered for while on vacation.

Contact GreatFlorida Insurance for all your insurance needs today.




The post Are you insured on vacation? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Saturday April, 22 is Earth Day. Celebrations are happening throughout the state from Panama City, St. Augustine, Orlando, Miami, Key West and more. It’s a day to raise awareness about the earth’s environment and the importance of keeping it clean.

“No matter what your thoughts on climate change, being a good steward of our planet is responsible,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowner’s insurance agency.


Below are some easy and meaningful ways to celebrate Earth Day.

  • Ditch the plastic water bottle for a reusable one and fill it up before you leave the house reports, “300 million tons of plastic are produced each year to make bags, bottles, packages and other commodities for people all over the world. Unfortunately, only about ten percent of this plastic is properly recycled and reused. The rest ends up as waste in landfills or as littler in our natural environment.”
  • Bring your own reusable bags to the store. Some stores offer a discount for using your own bag.
  • Plant a garden. If your space is limited or this sounds intimidating, trying planting in a container.
  • Donate unused clothing and household items
  • Buy a houseplant to help clean the air
  • Build a birdhouse
  • Try a solar phone charger
  • Sign-up for paperless billing
  • Take off your shoes at the door, this prevents chemicals from being tracked all over your home from your shoes.
  • Ride your bike or walk if possible
  • Put a pool cover on your pool when you are not using it. This keeps the water cleaner and will prevent water from evaporating saving on refills.

“Going green does not have to be expensive or difficult,” says Buck with Great Florida Insurance, Florida’s leading independent homeowners insurance agency.

Every family can find ways to implement eco-friendly habits that fit in with their family’s lifestyle. This Saturday, take a hike, plan a picnic or go to the park and enjoy the outdoors.

GreatFlorida Insurance provides homeowners insurance from a variety of providers to suit your budget and your needs. Contact us today.




The post Celebrate Earth Day 2017 appeared first on The GreatFlorida Insurance Blog.