What coverage is on a homeowners policy?

In Florida, homeowners insurance can protect your home and stuff in different ways:

• Home Protection: It covers your house itself if something bad happens, like a fire or a storm damages it.
• Other Stuff: It also looks after other things on your property, like a garage or a fence.
• Your Things: It pays for your belongings, like furniture and electronics, if they get damaged or stolen.
• If You Can't Stay: If you can't live in your home because of damage, it helps pay for a place to stay and other expenses.
• If You're Responsible: If someone gets hurt on your property, it helps with their medical bills. It also covers you if you're legally responsible for damaging someone else's property.
• Extra Expenses: If you need to live elsewhere while your home is being fixed, it covers extra costs like food and a place to stay.
• Sinkhole Coverage: Some policies offer protection if your home is damaged by a sinkhole.
• Flood Insurance: If your home is at risk of flooding, you might need a separate policy for this.
• Windstorm Coverage: In some areas, you might need extra coverage for wind damage, especially during hurricanes.

​
Remember, it's essential to understand what's covered and what's not, especially in Florida where the weather can be challenging. You might want to get advice from an insurance expert to make sure you have the right protection.