Does Florida homeowners insurance cover flood damage?

No. Standard Florida HO-3 homeowners policies explicitly exclude flood damage. A separate NFIP or private flood insurance policy is required. NFIP has a mandatory 30-day waiting period, so you must purchase before a storm is forecast.

What is a hurricane or wind deductible in Florida?

Florida wind deductibles are a percentage of your dwelling coverage, not a flat dollar amount. On a $400,000 home with a 2% wind deductible, you pay $8,000 out of pocket before insurance pays anything toward wind damage.

What is umbrella insurance and do I need it?

An umbrella policy provides additional liability coverage above your home and auto policies, typically $1 million or more. Most Treasure Coast homeowners can add umbrella coverage for $200 to $400 per year.

What is water backup coverage?

Water backup coverage protects against damage caused by a backed-up sewer, drain, or sump pump. It is one of the most common claims in Florida and is typically not included in standard homeowners policies but can be added for a small premium.

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COVERAGE GAP ANALYZER

Six quick questions reveal hidden gaps in your Florida insurance coverage. Get your personalized HBK Risk Score instantly — no personal information required.

Why It Matters

MOST FLORIDA HOMEOWNERS HAVE AT LEAST ONE CRITICAL GAP

Florida's insurance landscape is unlike any other state. Between flood zones, hurricane deductibles, AOB abuse, and Citizens depopulation, it is easy to think you are covered when you are not.

Our Coverage Gap Analyzer checks the six most common gaps we see in Treasure Coast policies every day. Takes 60 seconds.

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Standard homeowners insurance NEVER covers flood damage.

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Hurricane deductibles can be 2-5% of your dwelling value — not a flat dollar amount.

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Water backup claims are among the most common — and rarely covered by default.

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Equipment breakdown covers AC, appliances, and electrical surges.

HBK Risk Score Tiers

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LOW RISK (Score 0 – 1.4)

Strong baseline coverage. We will still look for savings.

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MODERATE RISK (Score 1.5 – 3.9)

One or more gaps identified. Review recommended.

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HIGH RISK (Score 4.0+)

Significant exposure. Call us before the next storm.

COVERAGE GAP ANALYZER

MOST FLORIDA HOMEOWNERS HAVE AT LEAST ONE CRITICAL GAP

CHECK YOUR COVERAGE NOW