Homeowners Insurance 101

Learn how a water leak detection discount works, which devices may qualify, and how Florida homeowners can help reduce water damage risk.

Homeowners insurance may cover pools, trampolines, and e-bikes, but liability claims aren’t always included. Learn more about high-risk coverage in Florida.

Learn what animal liability coverage is, what it covers, and why Florida pet owners should consider it for added protection and peace of mind.

Learn about Florida Peninsula’s affordable golf cart insurance options, including theft, liability, and medical payments coverage for your peace of mind.

When a hurricane forces you out of your home, Coverage D helps cover the cost. Here’s how loss of use coverage works in Florida.

What is other structures coverage? Learn what Coverage B means in homeowners insurance and how it helps protect structures separate from your home.

Do homeowners policies cover mold? Learn when mold may be covered, how mold remediation works, and why coverage limits matter for Florida homeowners.

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.

Wear and tear isn’t covered by home insurance. Learn how homeowners coverage is different from a warranty and how property condition matters.

Fraud risks Florida homeowners face include identity theft, property title fraud, and contractor scams. Learn how these risks affect your home and finances.

Identity theft isn’t just about money. Learn how identity theft protection for Florida homeowners helps restore credit and reclaim time.

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Many Florida homeowners underestimate Coverage C. Learn what belongings get missed and how to close the inventory gap before storm season.

Avoid costly gaps in your homeowners coverage. Discover how to value your home for insurance and why choosing “replacement cost” protects you best.

Your home insurance Coverage C protects your belongings from certain hazards. Learn how replacement cost lets you recover more after damage or theft

Save money on Florida homeowners insurance

Avoid these 5 hurricane insurance claim mistakes to help speed up your recovery and protect your Florida home this storm season.

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.

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.

Find out what Coverage B in your home insurance policy covers, why it matters, and how Florida Peninsula protects detached structures on your property.

Don’t get stuck believing common homeowners insurance myths! Let’s debunk 5 sticky insurance misconceptions and help you stay covered with confidence.

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.

Discover how choosing “replacement cost coverage” in your homeowners insurance policy can help you rebuild after a disaster – without financial strain.

If you live in Florida, properly insuring your patio or pool screen enclosure against unexpected damage is essential to protecting your outdoor fun.

A DP-3 homeowners insurance policy offers affordable protection for residential properties rented to others and owner-occupied homes with older roofs.

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.

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

Uncover the truth behind common homeowners insurance myths. We deconstruct the fiction and provide essential facts every Florida homeowner should know.

Learn how a detailed and up-to-date home inventory can accelerate the insurance claims process after a fire, theft, or other disaster.

Here are the Florida homeowner essentials you need to know to strengthen your dream home in paradise and find the insurance right for you.

Safeguard your most valuable asset! Learn how to identify and prevent fraud with expert advice from Florida's trusted homeowners insurance company.

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.

Protect your rental or investment property without straining your budget. Discover how a specialized homeowners policy, called a DP-3, could work for you.

Navigate the Florida Peninsula Insurance claims process with ease. This step-by-step guide explains our fast, fair, and friendly claims processing.

Is your home covered if disaster strikes? Is the coverage enough? Know the difference between market value and replacement cost before you buy insurance.

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.

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.

Read what to look for to save money on your insurance premiums when you are looking to purchase a new home.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Choosing a homeowners carrier can be a difficult decision. We can help you make that decision.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.