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Florida Hurricane Insurance
How wind, flood, and Citizens policies stack to cover hurricane risk in Florida — what each one covers and where the gaps live.
Hurricane Season Preparation: A Comprehensive Guide
Welcome to our comprehensive guide on Hurricane Season preparation! As nature's powerful forces can disrupt lives and communities, it's crucial to stay informed and equipped. In this pdf, we'll delve into the must-know tips and strategies to ensure you're ready when the storm hit
How Much House Can I Afford in Florida?
The 28/36 rule gives you a starting number, but Florida's insurance premiums ($3,000–$8,000/year), HOA dues ($150–$600/month), and state-specific taxes add costs that national mortgage calculators routinely miss. A Tampa household at $80K/year qualifies for less house than the same income in Ohio — here's the real math.
Assignment of Benefits in Florida: What Homeowners Need to Know After the Ban
Florida banned new assignment of benefits agreements in December 2022. SB-2A ended the contractor-led AOB model that drove a decade of insurance fraud. Here is what that means for your roof and water-damage claims today.
Citizens Depopulation in Florida: What to Do When You Get a Takeout Offer
Citizens Property Insurance is actively moving Florida homeowners to private carriers through its depopulation program. Here is what the 20% rule means for you, how rate caps work, and whether you should accept a takeout offer or fight to stay.
Citizens Property Insurance: Who Qualifies and When to Leave
Citizens Property Insurance is Florida's insurer of last resort — not a first choice. You can only qualify if private carriers charge 20% or more above Citizens' rate. Here's how eligibility works, what a depopulation offer means, and when staying with Citizens is actually the right call.
What Is a 4-Point Inspection (and Why Florida Insurers Require It)?
Florida insurers routinely require a 4-point inspection before writing a policy on homes 25+ years old. Here's what gets checked, what it costs ($75–$150), and what happens when the inspector finds something wrong.
Florida Wind Mitigation Inspections: How the Report Saves You Thousands
A wind mitigation inspection costs $75–$150 and can cut your homeowners insurance premium by hundreds of dollars a year. Most Florida buyers skip it — and overpay for years. Here is what the report covers and how to use it.
First-Time Home Buyer Guide to Florida Real Estate
Buying your first home in Florida is different from anywhere else — flood zones, wind insurance, CDDs, and Hometown Heroes grants are all part of the deal. Here's the plain-English breakdown, from credit score to closing day.
Florida Hurricane Insurance: Wind, Flood, and Citizens Explained
Florida hurricane insurance is not one policy — it is three overlapping coverages: your homeowners wind policy, a separate flood policy, and possibly Citizens as your insurer of last resort. Here is how they interact and what to verify before storm season.
Moving to St. Petersburg, FL from Out of State: What to Know Before You Sign
St. Petersburg is a real city with a real art scene, walkable downtown, and serious waterfront access — but flood zones, insurance costs, and school zoning realities catch out-of-state buyers off guard. Here's the unfiltered guide.
Moving to Tampa from Out of State: What You Need to Know
Tampa draws tens of thousands of out-of-state movers every year — mostly from New York, California, and the Northeast. No state income tax and lower housing costs are real. So are hurricane season, insurance sticker shock, and traffic on I-275. Here is the honest version.
Moving to Orlando from Out of State: What to Know Before You Sign
Orlando draws more out-of-state buyers than almost any other metro in the Southeast — partly the weather, partly the no-income-tax math, partly remote work untethering people from NY, NJ, IL, and CA. Here is what I wish every relocation client had read before their first Zillow search.
Hurricane Preparation Checklist for Florida Homeowners
Florida hurricane season runs June 1 through November 30. This checklist walks Central Florida and Tampa Bay homeowners through exactly what to do at 72 hours out, 24 hours out, and post-storm — plus the year-round prep that saves money on insurance.
Florida Home Insurance and Sinkholes: What's Actually Covered
Florida law requires all homeowners' policies to include catastrophic ground cover collapse coverage — but that only pays out in extreme cases. Sinkhole loss coverage is different, optional, and usually costs extra. Here's how to know which one you have and whether it's enough.
How to Sell Your Home in Florida: 7 Strategic Tips for 2026
Florida sellers face a different set of decisions than sellers anywhere else — humidity-driven pricing adjustments, hurricane-season timing, the post-NAR commission shift, and buyer anxiety around insurance. Here is how to think through each one before you list.