Home insurance in Florida
Insuring a home in Florida means planning for hurricane season. We compare homeowners insurance from several insurance companies and walk you through your windstorm coverage and hurricane deductible before you choose.
New to homeowners insurance? Start with the basics
This short video explains how homeowners coverage typically works. It's general education, not specific to Florida's wind, hurricane or flood exclusions — we'll go over those details with you directly.
The video plays on YouTube. Citadel Insurance Group isn't affiliated with the video's creator.
What it can cover
- Dwelling: the structure of your home
- Other structures, such as fences, sheds and detached garages
- Personal property: your furniture, clothing and electronics
- Loss of use: extra living costs if a covered loss forces you out
- Personal liability and medical payments to others
- Windstorm and hurricane coverage, in your policy or written separately
Good to know in Florida
- Florida hurricane deductibles are usually a percentage of your dwelling coverage, such as 2%, 5% or 10%, instead of a flat dollar amount.
- A wind mitigation inspection documents features like your roof shape, roof-to-wall connections and impact-rated openings. Florida insurers must offer discounts for qualifying features.
- Your roof's age and condition affect which insurance companies can cover your home.
- Homeowners insurance doesn't cover flooding or storm surge. You need a separate flood policy.
- If you're insured with Citizens Property Insurance, Florida law is phasing in a requirement to also carry flood insurance. By January 1, 2027, it applies to most Citizens policyholders.
How Citadel Insurance Group helps
Tell us what you need
Call, chat or send a quote request. We'll ask a few questions about you and what you want to protect.
We compare insurance companies
As an independent agency, we compare coverage from several insurance companies and explain the differences in plain language.
We stay with you
After you buy, we help with policy changes, renewals and claims questions.
Questions and answers
Does homeowners insurance cover hurricane damage in Florida?
Wind damage from a hurricane is usually covered, either by your homeowners policy or a separate windstorm policy, after your hurricane deductible. Flooding and storm surge are not covered; that takes a flood policy.
What is a wind mitigation inspection?
A licensed inspector records your home's wind-resistant features on a state form. Insurance companies use it to apply the discounts you qualify for. We can tell you whether one could help you.
How is a hurricane deductible different?
It applies to hurricane losses and is usually a percentage of your dwelling coverage. On a home insured for $400,000, a 2% hurricane deductible is $8,000. We'll show you the options before you buy.
Ready to compare?
A licensed agent will contact you, ask a few questions and compare options with you, in English or Spanish.
Other insurance we offer
- Auto insurance
- Condo and renters insurance
- Flood insurance
- Boat insurance
- Business insurance
- Workers' compensation
- Health insurance
- Life insurance
- Medicare plans
Descriptions on this page are general information, not a policy or a promise of coverage. Every policy is subject to the insurance company's underwriting, terms, conditions and exclusions. Not every product or company is available to every applicant.