Do You Need Coverage for Sewer & Drain Backups?
February 21, 2026
If you’re a Florida homeowner, you likely assume your homeowners insurance policy covers most types of water damage. However, one of the most misunderstood and overlooked coverage gaps involves sewer and drain backups. Many homeowners are surprised to learn that standard homeowners insurance does not automatically include sewer backup coverage. Understanding how sewer and drain […]
Replacement Cost vs Market Value: Why Florida Homeowners Confuse Them
February 13, 2026
If you’re a Florida homeowner reviewing your insurance policy, one of the most common points of confusion is the difference between replacement cost and market value. Many homeowners assume their insurance coverage should match what their home would sell for — but in reality, insurance companies base coverage on something entirely different. Understanding replacement cost […]
Hidden Coverage Gaps Most Florida Homeowners Don’t Realize They Have
February 5, 2026
Buying homeowners insurance in Florida is one of the most important steps you can take to protect your property — but many homeowners assume their policy covers more than it actually does. Unfortunately, coverage gaps are one of the biggest reasons claims are denied or leave homeowners paying significant out-of-pocket costs after a loss. Understanding […]
