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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.