Top Weather Considerations When Buying Home Insurance in Florida

Weather in Florida can be unpredictable, and you don’t want to miss something and have your home insurance fall short. It’s important that you cover all of your bases, so we’re going to outline everything you want to keep in mind when you set up your home insurance and add your insurance riders to your policy, no matter where you live in Florida.

Tropical Storms

Florida is a hot spot for tropical storms, and these storms start at the beginning of June. The tropical storms can bring downpours, high winds, flooding, flying debris, and much more. It’s essential that you take steps to protect your home against these things, and it goes beyond your home insurance. You can take steps to fortify your home before the storm hits.

One thing you can do is add shatterproof windows, shutters, stronger doors, and add braces to your garage doors. You want to seal all of the cracks around your windows and doors to prevent water from leaking in, and this can entitle you to discounts through your insurance company. The more you prepare for these storms, the better off you’ll be. You also want to take a look at your roof and repair any damage you see to prevent the storms from ripping shingles off.


The storms bring wind, and wind can do massive damage to your home and property if you’re not careful. Debris can fly around and damage your windows or siding, and wind can build up pressure in your garage if your door caves in and damage your roof. You want to have more than enough coverage for wind damage, and some home insurance companies don’t cover it under the normal policy. Instead, you have to get a wind rider, and this is an additional coverage option.

This rider is mainly for any damage the wind does to your home. Maybe it ripped shingles off or tore up a piece of our roof. This could cost you thousands of dollars to repair if you don’t have the correct coverage. Make sure to ask your insurance company when you shop around to see whether or not they offer wind protection. You’ll need it when storm season comes through every year, and this is especially true if your home is close to the water on the coast.


Hurricanes can bring about gale-force winds, heavy downpours, flooding, and a host of problems for your home. A hurricane differs from a tropical storm in the wind speed. Hurricanes have wind speeds that reach over 74 miles-per-hour. Tropical storms stay below this speed. This is another insurance rider you’ll most likely have to add to your policy because many insurance companies don’t bundle it into their normal coverage tiers.

Not only should you double-check and make sure your insurance company will pay for hurricane damage, but you should check into any restrictions or coverage caps. The last thing you want is to be out of pocket a nice bit of money because you had insufficient coverage, and a hurricane went through your area. Get enough coverage to help you rebuild or replace your home and the contents, no matter where you live in Florida.


Flooding is a big problem throughout Florida. The hurricanes and tropical storms can bring a huge amount of rain in a very short time, and this can lead to widespread flooding. If you live in a flood basin, you have an even greater chance of having damage to your home or belongings. Flooding can happen all year-round, but from June to November is the worst time.

See if your home insurance policy offers protection against flooding in the package. It may include it, but you may also have to add it on as another rider. You do want to double-check and see what the company will and won’t cover because some have strict guidelines on what they’ll replace in the event of flood damage. Other companies don’t offer coverage for water damage at all. Since this is a high probability in certain areas in Florida, you want all of the protection you can get.


You may think that wildfires aren’t a danger in Florida because the state has a reputation for being humid, wet, and muggy. However, the intense summer heat can also bring drought, and there are millions of acres of dense Everglades and other crowded lands that could easily burn. Sky-to-ground lighting is another common occurrence, and this can cause fires to spring up and get out of control very quickly. Your home insurance policy should offer coverage from fires, even if you think that it’s unlikely to happen.

Along with fire, see if the policy says anything about smoke damage. Even if the fires don’t touch your home, the smoke can seep into the woodwork and permeate all of your belongings. If this happens, it’s usually easier to replace them than it is to try and salvage them. See what coverage options are available, what they cover, and any coverage caps that could come into play. This way, you’ll know whether or not you’ll have to pay to repair your home or replace your items if your home burns in a fire or gets damaged by smoke.

Nsure Has Home Insurance Policy Options Available

At Nsure, we know how difficult it can be to get all of the coverage you need for your home. There are so many home insurance companies available; it can be overwhelming. This is why we created a user-friendly platform and app that will compare quotes from over 40 top-rated insurance companies.

You can answer a few questions and input your address to get tailored quotes. Compare coverage options, look at different riders, and pick the one that offers you the most coverage without breaking the bank. Once you pick one, you can create an account, download the app, and manage your policy right from your phone anywhere you have reliable internet access.