What you may need
A house needs homeowners insurance; a condo owner needs an HO-6 policy for the interior plus the association's master policy for the building. Standard policies do not cover flood, so flood insurance is a separate policy and is required by lenders in high-risk zones.
Hurricane deductible
Policies usually have a separate hurricane deductible set as a percentage of the insured value, commonly between two and ten percent, so read what you would pay out of pocket after a storm.
Roof and building age
Insurers look at roof age, building age, wiring, plumbing and wind features. Older homes often need a four-point inspection, and a wind mitigation inspection can lower the premium.
If private insurers decline
Citizens Property Insurance is the state-backed insurer of last resort, but its eligibility and rates change, so ask your agent and an independent insurance agent which carriers write the address.
Next step
Ask for quotes on the exact address and include insurance in the monthly cost. Policy terms vary, so confirm with a licensed insurance agent. Lidiya Tretyak is a licensed Florida real estate agent with Douglas Elliman and speaks English, Russian and Ukrainian; the first consultation is free.
This guide is general information, not legal or tax advice. Laws and programs change — confirm details with a Florida attorney and a US tax professional.
