Usually Homeowners Insurance in Florida policies do not cover damage caused by Acts of God defined as causes that are not men made.
These damages may be caused by hurricane winds and tropical flooding.
The type of insurance to cover that can only be obtained from a federal government agency and will be an addition to your current running policy with your insurance company.
Find out from your local government authority whether or not you are in a high risk area.
As there are often hurricanes in the state of Florida you should make sure that your Homeowners insurance policy in Florida includes everything.
There are basically certain things you have to know and note before buying Homeowners insurance in Florida.
The first thing to know is this policy is meant to offer coverage to Florida Homeowners their homes and property.
Renters also have to get this insurance for the protection of their property and personal belongings.
Everyone in Florida including both renters and homeowners need coverage against accidents and loss to property.
The second thing to note before getting a Florida Homeowners insurance is that you as the insured need to know how much of the insurance coverage you will need.
It is advisable to insure more as such in the event of loss or damage to property you will pay little or nothing from your own money for the replacement.
In other cases the mortgager will decide on how much of the insurance cover you will need mainly according to your mortgage value.
The third thing to note is that you should carefully study you Florida insurance policy and know that when you sign it you are agreeing to all terms and in the case of a dispute your signature will come in for you or against you.