Understanding Home Insurance

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 An HO-3 homeowners insurance policy in Florida covers your home’s structure, personal belongings, liability protection, and additional living expenses if your home becomes unlivable due to a covered loss. Coverage is subject to policy limits, deductibles, and exclusions.

 Wind damage is typically covered under an HO-3 policy in Florida, but it may be subject to a separate wind or hurricane deductible. Coverage varies by carrier and location, so reviewing your policy details is important.

 No, flood damage is not covered under a standard HO-3 homeowners insurance policy. Florida homeowners must purchase a separate flood insurance policy to protect against flood-related losses.

 An HO-3 policy covers most personal belongings, including furniture, clothing, electronics, and household items. Certain high-value items such as jewelry or collectibles may have coverage limits unless additional coverage is added.

 Loss of use coverage helps pay for temporary living expenses if your Florida home is unlivable due to a covered loss. This may include hotel stays, rental housing, and increased food costs during repairs.

 Yes, personal liability coverage in a Florida HO-3 policy helps protect you if you are legally responsible for injuries or property damage to others. It can help pay for legal defense, settlements, and court judgments.

 Liability coverage applies when you are legally responsible for an injury or property damage, while medical payments coverage helps pay minor medical expenses regardless of fault. Medical payments coverage is typically used for small claims.

 The amount of coverage you need depends on your home’s replacement cost, location, personal property value, and liability exposure. A licensed Florida insurance agent can help determine appropriate coverage limits.