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From category archives: Florida Peninsula

Florida Peninsula is one of the top ten homeowners insurance carriers in Florida with over 100 years of combined insurance experience. We believe no homeowner should buy into an insurance policy without the right knowledge. As such, we’ve assembled a rich catalog of home insurance information in our homeowners insurance 101 blog. Learn the basics of homeowners insurance, from introductions to insurance terminology to details about coverage options and more.

Choosing a Homeowners Insurance Carrier

Florida Peninsula Insurance provides some important information on choosing a homeowners insurance carrier as there are many factors homeowners will want to consider. 

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Understanding Your Homeowners Insurance: Policy Deductibles

Homeowners Insurance can be quite confusing. Learn about homeowners insurance deductibles, including Hurricane and All Other Perils Deductibles and how to determine the right deductible for your needs.

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The Importance of Flood Insurance

Updated: April 1, 2020   Flooding is the most common and most costly natural disaster in the United States. Floods can occur for several reasons including storm surge from tropical storms and hurricanes, river overflow, or even heavy rainfall. Every home is at some risk of experiencing flood damage, and surprisingly, only a small percentage of homes are covered by flood insurance.   What is Flood Insurance? Many homeowners believe their home insurance policy covers flood damage; however, a standard home insurance policy does not cover damages caused by floods. A separate flood insurance policy is needed to protect your home and possessions should they be damaged from rising water. You do not need to live in a flood zone to experience flood damage. In fact, FEMA reports roughly 25% of all flood claims come from moderate to low-risk areas and living in Florida, you are at a greater risk to experience flood damage.   If you live in Florida, you need flood insurance. ...

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What Is Personal Property Insurance?

We'll discuss what personal property insurance is and how covered losses impact your coverage so you can choose the right policy. 

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What is Other Structures Coverage – Coverage B?

Other Structures coverage, otherwise known as Coverage B on your homeowners insurance policy, which is typically the second line item on your policy declarations page. Other Structures coverage protects physical structures which are on your property and not attached to your home.

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Homeowners Insurance: Dwelling Coverage- Coverage A Explained

Valuable information on Coverage A

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Are You Properly Insured? – Coverage A

When considering your Coverage A limits, it is important you know how much it would cost to replace your home should a total loss occur at today’s building costs.

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Animal Liability Coverage

With the holidays approaching and friends and family entering our homes, now is the time to make sure you can prevent dog bites and make sure you are covered should an incident occur.

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First-Time Home Buying Tips

Since the month of September is recognized as National Mortgage Professional Month, we would like to provide some tips to assist you in purchasing your first home.

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Do College Students Need Renter’s Insurance?

With the excitement of a new semester and moving into a new dorm or apartment, many may not be thinking about whether their belongings are covered. 

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