Your home is likely your largest investment, and Florida's insurance market has made protecting it more complicated. Southend Insurance helps Fernandina Beach homeowners compare policies, understand hurricane deductibles, and find credits they may be missing.
We review your dwelling coverage, personal property limits and liability protection so you know exactly what your policy will and won't do after a loss.
What homeowners insurance can cover
- Dwelling and other structures
- Personal property
- Loss of use and additional living expenses
- Personal liability and medical payments
- Windstorm and hurricane coverage
- Optional water backup and equipment breakdown
Good to know in Florida: Florida policies often carry a separate hurricane deductible, usually a percentage of your dwelling coverage. A wind mitigation inspection can lower your premium, and older homes may need a four-point inspection before a carrier will write the policy.
Own an oceanfront or other high-value coastal home? See our high-value coastal home insurance page.
How hurricane deductibles work in Florida
Most Florida home policies have a separate hurricane deductible, set as a percentage of your dwelling coverage instead of a flat dollar amount. Common choices are 2%, 5% and 10%. On a home insured for $400,000, a 2% hurricane deductible is $8,000.
Insurers also stop writing new policies and coverage changes once a hurricane watch or warning covers your area, so make changes early in the season. A wind mitigation inspection can lower your premium.
Homeowners Insurance FAQs
Does homeowners insurance cover flooding?
No. Standard homeowners policies generally exclude flood damage. Flood coverage is purchased separately through the National Flood Insurance Program or a private flood carrier.
What is a hurricane deductible?
In Florida, many policies apply a separate deductible to hurricane losses, often 2%, 5% or 10% of your dwelling coverage. We'll show you how different options affect your premium.
How can I lower my home insurance premium?
Wind mitigation credits, a newer roof, security systems, higher deductibles and bundling with auto can all help. We'll review which apply to your home.