If you own a home
A homeowners policy commonly addresses the structure, belongings, personal liability and certain additional expenses after a covered loss. The scope depends on the contract.
If you own a condo
The association maintains a master policy for certain common property. Your policy may address interiors, improvements, belongings and liability. Association documents help define the boundary.
If you rent
Do not assume the owner’s policy protects your belongings. Renters coverage may address contents, liability and living expenses after certain losses.
Learn more from official sources
Florida Department of Financial Services ↗ · NAIC Consumer Resources ↗
This is general information. Coverage, limits, exclusions, eligibility and pricing depend on the insurer and policy. Confirm your options with our team.