What a homeowners policy typically includes
Most policies include dwelling coverage for the structure, other structures such as fences, personal property, loss of use if you must live elsewhere during covered repairs, and personal liability. Exact coverage depends on the policy form and endorsements.
Florida-specific factors
Insurers in Florida look closely at roof age, construction type, distance to the coast, and wind mitigation features. Many policies have a separate hurricane deductible expressed as a percentage of your dwelling limit.
Common gaps
Flood is usually excluded. Sinkhole coverage may differ from catastrophic ground cover collapse. Reviewing these with an agent can help you understand your options.
This guide is general information, not legal or coverage advice. Coverage depends on your specific policy and insurer.