Is Flood Insurance Required in Florida?

If you are trying to find out if flood insurance is required here in Florida, keep reading! In order to understand what coverage you need, it is important to know these three things. A standard Florida home insurance policy does not cover flood damage! Not even a little! A flood policy is separate from your home insurance. Finally, you may have to buy flood insurance if you are taking out a mortgage on a property that is near or in a high-risk area, your mortgage lender will require you to purchase flood insurance for FL.

Does my Florida Homeowners Cover Flooding?

Many people assume their Florida homeowners insurance policy from will cover their home against flooding. That is a big NO. You will not find a homeowners policy that will cover you against flooding. A homeowners insurance policy will only cover you against these main perils.

  • Smoke and Fire Damages
  • Wind Damages
  • Lightning
  • Hail Storms

Your Florida home insurance policy may cover you from some rain damage but if you live near a river, lake, or ocean then you won’t be covered. The most common type of flood insurance coverage is offered through the National Flood Insurance Program. A flood insurance policy will be separate from your home insurance. Sometimes it is necessary to to be covered against the numerous damages of flooding.

What will flood insurance cover?

When it comes to a Florida flood insurance policy, it is important to know what you are covered for. Be sure to read through this list as it will inform you of what is and isn’t covered in your policy.

You will find that these items are covered in a FL flood insurance policy:

  • Your home
  • Your home’s foundation
  • Electrical Systems
  • Plumbing systems
  • HVAC equipment
  • All kitchen appliances
  • Personal Property such as clothes, furniture, and electronics

What is not covered by my flood policy?

Now that you know what will be covered by your policy. Let’s discuss what isn’t covered. By rule of thumb if your item belongs in the bank or a safety box, then it will not be covered. For example, these items will not be covered in the event of a flood according to

  1. Stocks
  2. Bonds
  3. Cash
  4. Desks
  5. Patios
  6. Swimming pools
  7. Cars

Just to name a few. It is crucial to realize that these items are not covered by your FL flood insurance.

Is my basement covered by floods?

If your home has a basement, you will be even more at risk. This is due to the limited amount of coverage that you receive for basements. When it comes to your basements and floods, your policy will not cover these things located in there: Any bookcases, carpeting, any types of paneling, walls and ceilings that aren’t made of drywall, all personal property.

How much will it cost me?

A typical Florida flood insurance policy will cost you on average $600 per year. Remember you need to purchase a Florida homeowners insurance policy from and a flood policy if you are in a high risk zone. Better safe than sorry right? Technically the entire state is subjected to flooding so it is strongly recommended to purchase both policies.

Florida Auto Insurance Quotes, Do They Really Help You Save On A Policy?

When it comes to Florida auto insurance quotes, it can be a litany of confusion. Not only that it can also be overly flowery words in a series of long, drawn-out paragraphs that really go nowhere. Not to mention those extremely pushy agents trying to shove a single plan out to you in order to get their pay-check at the end of the week.

However, one question that gets pushed around a lot is the simple question of whether or not quotes really help you save on selecting a policy. So why not spend a little bit of time exploring this question? Let’s see if we can discover if online auto quotes can help you save on a policy without talking to an agent.

Does Auto Insurance Quotes Florida Drivers Collect Help You Save?

Now, what are Florida car insurance quotes from ? How do they work, and can they really, truly help you save on a policy when talking to an agent? Well, yes, often enough agents will ask for information when talking to you over the phone. This information is needed in order to properly attune and deliberate on what kind of policy fits that individual and or their household. Now, this information can vary from age, how many drivers and or vehicles that person has, have they been in an accident? Who (if any) was their previous company and so many other questions and factors to take into consideration.

Giving a recount of all these factors might seem trivial. However, they are essential if insurance agents are going to give you a proper quote according to Thus, by getting a quote from an agent, you can potentially work with that agent to get a sweet deal off on your policy with them in comparison to another company or organization.

Final Thoughts and Opinions

So, yes, in a way, getting a quote from an agent of the company via can help you save on a policy. By giving them any relevant info, they can quote you a price that fits you as a person, and once they call back, they can and will work with you to finalize that quote, finding the perfect policy that will make you and them extremely happy. Yes, it takes some time and effort, but getting that quote and working with the agent will save everyone time and hassle, especially when it comes to auto insurance Florida drivers need to purchase. 

Boat Insurance Quotes Florida Boaters Must Compare

When you purchase your own boat in Florida, you can look forward to excitement, adventure, and relaxation whenever you want it. However, buying a boat is a big investment and you have to ensure that it is properly protected. As you would with any other large investment such as your home or vehicle.

By getting boat insurance quotes at, Florida boat owners can look forward to total peace of mind when it comes to their valuable and prized boat. Of course, you need to ensure you get the right coverage, which is why you need to carefully look at each boat insurance quote Florida provides. In this post, we will look at some of the main areas to look at when it comes to checking different quotes.

Key Areas to Look At

There are various key areas you need to look at when you comparing boat insurance in Florida. Of course, the one factor that most people will automatically look at is the cost of the coverage. It is important to ensure it is within your budget. This means looking at the overall cost of the boat coverage as well as checking what the monthly premiums will be if you plan to spread the cost of your repayments.

Another important area you need to check is the policy itself, as you need to see what you are covered for as part of the policy. If the coverage is inadequate or is more than you need, you may then be able to make changes so that it is more tailored to your needs. One thing you should never do is simply go with the policy based on the price given in the quote without first checking what level of cover it provides.

Finally, you need to make sure you check the exclusions. All insurance plans come with a number of key things that are not and cannot be covered as part of the plan. Often, these details can be found in the small print according to, so you need to take the time to go through this thoroughly. By doing this, you will know exactly what is and is not covered under the plan. You can then decide which quote and policy is right for your needs as well as your budget. All these factors will make it much easier for you to get the perfect insurance coverage for your Florida boat insurance.