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What is covered by standard homeowners insurance in Florida?
Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; Coverage for Additional Living Expenses.
Florida Auto Insurance Coverage
The minimum requirement is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). If you have been in a crash or have been convicted of certain offenses, the Florida DMV can request you to purchase additional auto insurance coverage such as bodily injury liability coverage (BIL).
Motorcycle Insurance Coverage
Florida is one of the few states that doesn’t require much motorcycle insurance. For instance, riders in Florida generally do not need to carry personal injury protection (PIP). Instead of purchasing any specific coverage, Floridians are required to meet a financial threshold in case of injuries.
A standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear.
Insurance Safe Inc strives to educate our customers with as much information as possible. For more information about standard homeowners insurance.
Florida law requires residents to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance.
Recreational vehicles in Florida require the same coverage as automobile.
Florida Boat Insurance
Boat insurance in Florida is not required but is recommended as the owner can be personally liable for damage to others. It is also recommended to have collision insurance for any loss to personal vessel.
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Flood Insurance in Florida
Flood insurance protection is meaningless after a flood. And also every flood insurance policy carries a 30 day waiting period before it can take effect. So get covered today!
At Insure Safe, we provide a flexible payment schedule and a wide range of coverage limits for you to choose from, so you get the right protection for you. Get a Florida flood insurance quote and see how affordable coverage from Insure Safe can protect your home and more.