Windstorm vs. Homeowners Insurance in Florida
Most Florida homeowners need both — and many don't realize they have a gap until after a storm.
Homeowners Insurance (HO-3)
- Fire, theft, liability
- Water damage (non-flood)
- Personal property
- May exclude or limit wind damage in coastal FL
Windstorm Insurance
- Hurricane and tropical storm damage
- Wind-driven rain through wind-created openings
- Roof damage from wind
- Required by mortgage lenders in coastal counties
Make Sure You Have Both
Our agents review your current policies and identify gaps. Free, no obligation.