Homeowners Insurance 101

Avoid these 5 hurricane insurance claim mistakes to help speed up your recovery and protect your Florida home this storm season.
hurricane insurance claim mistakes
By: Florida Peninsula Insurance Company
8/6/2025
Flood damage isn’t covered by your home policy. Learn when water damage is covered, what flood insurance protects, and how to add extra coverage affordably.
is flood covered by homeowners insurance in Florida
By: Florida Peninsula Insurance Company
7/11/2025
Does your home insurance policy protect your child’s belongings while they are away at college? Learn about what is covered under your policy and why some college students should get their own renter’s insurance.
College students should get their own renter’s insurance
By: Florida Peninsula Insurance Company
7/11/2025
Discover what is high-risk liability coverage in Florida home insurance policies includes – and how Florida Peninsula protects you at no extra cost.
high-risk liability coverage in Florida home insurance policies
By: Florida Peninsula Insurance Company
5/1/2025
Find out what Coverage B in your home insurance policy covers, why it matters, and how Florida Peninsula protects detached structures on your property.
home insurance coverage for detached structures
By: Florida Peninsula Insurance Company
4/1/2025
Learn about Florida Peninsula’s affordable golf cart insurance options, including theft, liability, and medical payments coverage for your peace of mind.
affordable golf cart insurance
By: Florida Peninsula Insurance Company
2/1/2025
Don’t get stuck believing common homeowners insurance myths! Let’s debunk 5 sticky insurance misconceptions and help you stay covered with confidence.
Homeowners Insurance Myths
By: Florida Peninsula Insurance Company
1/1/2025
Unlock the mystery of insurance deductibles in Florida! Learn how to choose the right deductible for your home and understand its impact on your premium.
insurance deductible
By: Florida Peninsula Insurance Company
12/1/2024
Discover how choosing “replacement cost coverage” in your homeowners insurance policy can help you rebuild after a disaster – without financial strain.
replacement cost coverage
By: Florida Peninsula Insurance Company
10/1/2024
If you live in Florida, properly insuring your patio or pool screen enclosure against unexpected damage is essential to protecting your outdoor fun.
Screen Enclosure
By: Florida Peninsula Insurance Company
9/1/2024
A DP-3 homeowners insurance policy offers affordable protection for residential properties rented to others and owner-occupied homes with older roofs.
Landlord insurance
By: Florida Peninsula Insurance Company
8/1/2024
Did you know state officials are busy trying to reduce the high cost of home insurance in Florida? Here are the key laws making a difference for homeowners.
Home Insurance Law
By: Florida Peninsula Insurance Company
8/1/2024
Explore the crucial aspects of renters insurance and discover why it’s vital for protecting your personal property and more in apartments, condos, or homes.
Renter's Insurance Policy
By: Florida Peninsula Insurance Company
4/1/2024
Start 2024 right and complete your annual homeowner's insurance review now! Don’t wind up underinsured or overinsured; find the coverage just right for you
Homeowners Insurace, Personal Property
By: Florida Peninsula Insurance Company
2/1/2024
Uncover the truth behind common homeowners insurance myths. We deconstruct the fiction and provide essential facts every Florida homeowner should know.
Homeowners Insurance Myths
By: Florida Peninsula Insurance Company
1/1/2024
Learn how a detailed and up-to-date home inventory can accelerate the insurance claims process after a fire, theft, or other disaster.
Home Inventory
By: Florida Peninsula Insurance Company
1/1/2024
Here are the Florida homeowner essentials you need to know to strengthen your dream home in paradise and find the insurance right for you.
Florida Homeowner
By: Florida Peninsula Insurance Company
12/1/2023
Safeguard your most valuable asset! Learn how to identify and prevent fraud with expert advice from Florida's trusted homeowners insurance company.
Insurance Fraud
By: Florida Peninsula Insurance Company
11/1/2023
DP-3 policies are ideal for investment and rental property. If you own this type of property in Florida, DP-3 coverage may be what you’ve been looking for.
Rental Property, Insurance
By: Florida Peninsula Insurance Company
10/26/2023
Protect your rental or investment property without straining your budget. Discover how a specialized homeowners policy, called a DP-3, could work for you.
DP-3 Policy
By: Florida Peninsula Insurance Company
10/26/2023
Navigate the Florida Peninsula Insurance claims process with ease. This step-by-step guide explains our fast, fair, and friendly claims processing.
By: Florida Peninsula Insurance Company
6/1/2023
Is your home covered if disaster strikes? Is the coverage enough? Know the difference between market value and replacement cost before you buy insurance.
home insurance coverage
By: Florida Peninsula Insurance Company
5/1/2023
We all love our furry friends and over time they become a part of the family. But we can’t forget our pets are still animals who sometimes cannot control their behavior. The American Veterinary Medical Association states there are nearly 85 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, most of them are children. To protect your pet and those around them, you should consider obtaining animal liability coverage.
Animal Liability Coverage
By: Florida Peninsula Insurance Company
4/1/2023
Florida is infamous for its spontaneous rain showers and strong hurricanes. Whether our state experiences daily scattered showers or a category 5 hurricane, flooding can occur at any time and cause severe and costly damage to your home. Below are a few reasons why you should have flood insurance in Florida.
Flood Insurance; Flood Insurance in Florida
By: Florida Peninsula Insurance Company
3/1/2023
Florida Peninsula is happy to now be offering Service Line Coverage for our policyholders. To help you better understand what this new coverage option is all about, we are breaking down what it is, what does it cover, and important things to know when obtaining Service Line Coverage.
Service Line Coverage
By: Florida Peninsula Insurance Company
3/1/2023
Florida Peninsula is happy to now be offering Equipment Breakdown Coverage for our policyholders. To help you better understand what this new coverage option is all about, we are breaking down what it is, what does it cover, and important things to know when obtaining Equipment Breakdown Coverage.
Equipment Breakdown Coverage
By: Florida Peninsula Insurance Company
3/1/2023
Just like a homeowners policy, Florida Peninsula offers condo insurance policies with comprehensive coverages you can count on when you need it most. Here is a basic coverage breakdown to help you understand the different types of coverages offered to find the right coverage to suit your needs.
Florida Condo Insurance
By: Florida Peninsula Insurance Company
2/1/2023
Read what to look for to save money on your insurance premiums when you are looking to purchase a new home.
By: Florida Peninsula Insurance Company
1/2/2023
If you’re looking into getting coverage or upgrade your current policy, take a look at our coverage breakdown explaining the basics of each type of coverage we offer.
By: Florida Peninsula Insurance Company
1/2/2023
During renewal is a good time to review other areas of your policy. Taking time to ensure you have proper coverage now can save you time and money later. Follow our tips below on what to review when renewing your policy.
By: Florida Peninsula Insurance Company
12/1/2022
As a homeowner, it is important to know and understand your coverage through your specific carrier. A typical homeowners insurance policy is there to protect you and your family in the event of a loss due to covered perils such as fire, theft, wind, and other costly hazards.
By: Florida Peninsula Insurance Company
8/2/2022
A landlord’s insurance may cover the costs of repairs should there be a fire or other natural disaster, however this excludes coverage of your personal belongings.
By: Florida Peninsula Insurance Company
8/2/2022
First time homeowners can get easily overwhelmed when learning to deal with many new responsibilities. Before closing on your new home, it’s important to ensure your new asset is well protected with proper homeowners insurance.
By: Florida Peninsula Insurance Company
7/1/2022
Homeowners coverage in Florida is complicated to say the least. In a State surrounded by water, placing your business with a carrier who will see you through before, during, and after a loss can be difficult.
By: Florida Peninsula Insurance Company
8/1/2021
Your homeowners insurance policy will not cover flood damage but may cover water damage depending on the cause of the water. Plumbing leaks caused accidentally, and not due to wear and tear will likely be covered by your homeowners insurance allowing you to stay high and dry.
By: Florida Peninsula Insurance Company
4/1/2021
When insurance renewals come in the mail each year, we all cringe, as homeowners insurance rates in Florida over the past several years have skyrocketed for many reasons.
By: Florida Peninsula Insurance Company
2/1/2021
It’s a new year, and with the unique events of 2020 we are all looking forward to a brighter new year filled with health, happiness, and hope…and very possibly, a new home.
By: Florida Peninsula Insurance Company
1/1/2021
The holidays have arrived and with it comes the end of 2020, a year like no other. We are all excited to see this year come to a close and are looking forward to bringing some normalcy back into our lives this time of year.
By: Florida Peninsula Insurance Company
12/1/2020
With the holidays quickly approaching, we will soon welcome family and friends into our homes. It is important homeowners understand what their homeowners insurance covers and what they can expect should the unexpected occur.
By: Florida Peninsula Insurance Company
10/1/2020
As we are in the midst of the peak of Hurricane Season, it is important to understand what your homeowners insurance policy covers. You do not want to wait until the unexpected occurs to learn you may not have adequate coverage. As such, we would like to provide you with some information on Coverage D.
By: Florida Peninsula Insurance Company
9/4/2020
As a homeowner, it is important you understand how your claim may be settled, prior to a loss occurring. Doing so will save you time and provide peace of mind in the event you need to file a claim. When it comes to homeowners insurance, we understand certain terms can be confusing, especially should you need to file a claim.
By: Florida Peninsula Insurance Company
8/1/2020
Most policyholders do not keep receipts of all their personal belongings, as it can be very difficult to find time and space to maintain such documents. This is why as a homeowner or renter, creating a home inventory is one of the most important lists you can make.
By: Florida Peninsula Insurance Company
7/1/2020
Choosing a homeowners carrier can be a difficult decision. We can help you make that decision.
By: Florida Peninsula Insurance Company
6/1/2020
Insurance deductibles are thresholds for the amount of money a policyholder must meet in damages or pay at settlement, prior to their insurance coverage stepping in and paying you for covered losses.
By: Florida Peninsula Insurance Company
5/1/2020
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.
By: Florida Peninsula Insurance Company
4/1/2020
Over the years, we accumulate a lot of personal belongings which may be worth more than you think. Should they become lost, stolen, or damaged, you’ll want to make sure you have the right personal property insurance to help replace them.
By: Florida Peninsula Insurance Company
3/1/2020
Your home insurance policy consists of several coverages which may assist in paying to repair or replace your home and belongings should a covered peril cause damage or destroy them. One of these coverages is 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.
By: Florida Peninsula Insurance Company
2/1/2020
In many instances, your home, apartment, or condo unit is one of the largest investments you will make in your lifetime. As such, it is important your home is properly insured for all its worth.
By: Florida Peninsula Insurance Company
1/1/2020
Although our four-legged friends are like members of our family, we sometimes forget they can become dangerous when agitated or scared. According to the Centers for Disease Control and Prevention, roughly 4.5 million Americans are bitten by dogs each year.
By: Florida Peninsula Insurance Company
10/1/2019
Buying your first home can be a very overwhelming and emotional experience. As a first-time home-buyer, it is okay to not understand every detail in the home buying process, however, there are a few things you may want to know to help you navigate the process.
By: Florida Peninsula Insurance Company
9/1/2019
Accidents happen, which is why liability coverage is a component of your homeowners insurance policy. Understanding what is covered within your homeowners insurance policy will provide you with the peace of mind you need in case the unexpected occurs.
By: Florida Peninsula Insurance Company
4/1/2019
Floods can occur at any time, and anywhere. According to FEMA, flooding is the most common disaster in the United States. Flooding can occur for several reasons, including heavy rainfall, storm surge from a hurricane or tropical storms, or river overflow.
By: Florida Peninsula Insurance Company
4/1/2018
As we have seen in the recent months and years, flooding can occur at any time and during any season. Flood waters can cause severe and costly damage to your home.
By: Florida Peninsula Insurance Company
4/1/2018
Your home is likely one of the largest investments you will make in your lifetime and which houses your important possessions. As such, it is necessary for you and your family to have peace of mind knowing your home is protected, should the unexpected occur.
By: Florida Peninsula Insurance Company
3/1/2018
Your homeowners insurance policy is a legal contract between you and your insurance carrier written responsibilities for both the homeowner and insurance company. Being a responsible policyholder means you understand your coverages, individual needs, and replacement costs.
By: Florida Peninsula Insurance Company
3/1/2018
With your home being one of the largest investments you will make in your lifetime, it is important your home is properly insured for all its worth. A study conducted by Marshall & Swift, determined nearly two out of every three homes in the United States are underinsured.
By: Florida Peninsula Insurance Company
2/1/2018
Having roommates has become increasingly popular over the years. Of course, roommates come with financial benefits. They save us from still having to live with our parents in our mid 20s and lighten the burden when it comes to furnishing, decorating, and stocking up on supplies.
By: Florida Peninsula Insurance Company
8/1/2017
As a homeowner, it is important to know and understand your coverage through your specific carrier. Stay clear of assumptions and be sure to ask questions if you have any.
By: Florida Peninsula Insurance Company
8/1/2017
The road to a college degree is mainly about preparing for life outside of school and coming out from your parents' wings. Unfortunately, higher education also comes with a financial burden. In order to save some money to protect yourself and your belongings, it's time to think about insurance.
By: Florida Peninsula Insurance Company
5/1/2017
If there is damage or destruction to your home, you will need to file a claim with your insurance company. It is important to review your insurance policy to see what the rules and procedures are which you should follow.
By: Florida Peninsula Insurance Company
1/9/2017
Amidst the emotional process known as sending our children off to college, it is important to prioritize your child's safety. Whether your child is living in a dormitory or an off-campus apartment, it is essential you ensure they have the necessary coverage to account for their expensive belongings such as laptops, televisions, printers, jewelry, etc.
By: Florida Peninsula Insurance Company
8/16/2016
Want to save money on home insurance? The following are three insurance mistakes consumers should avoid according to the Insurance Information Institute, along with practical suggestions for better ways to save.
By: Florida Peninsula Insurance Company
4/8/2014
Homeowners insurance is very important. It protects your home, what’s inside, and your other assets in the event of disasters, accidents, theft and more. Insurance varies from standard coverage to additional coverage that includes floods, earthquakes, etc.
By: Florida Peninsula Insurance Company
10/19/2012
Home prices in Florida have fallen over the past five years. But home insurance premiums and the cost to rebuild seem to be increasing. Why? Shouldn't cheaper home prices mean cheaper insurance? The short answer is no.
By: Clint B. Strauch
7/6/2012
If you’re a renter, your landlord’s insurance will only cover the costs of repairs if there is a fire or other disasters. In order to protect your belongings, you should look into renters insurance. Florida Peninsula offers several different types of property and liability coverages that can be tailored to fit your specific needs.
By: Florida Peninsula Insurance Company
2/3/2012
Homeowners insurance covers replacing your home and personal items up to certain limits, depending on your policy. While most disasters are covered, earthquakes and flooding is not. Additionally, insurance policies do not cover the normal aging of your house.
By: Florida Peninsula Insurance Company
1/6/2012
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