Homeowners insurance provides financial protection against events like fires, theft, and liability claims. Flood insurance specifically covers damage caused by flooding.

What deductible amount you pick for your home insurance policy depends on your finances.

Florida law doesn't require home insurance, but forgoing coverage can create some costly consequences.

DP1 and DP3 are both dwelling property insurance policies that protect homeowners and landlords. However, a DP3 policy provides broader coverage because it insures your dwelling on an open perils basis.

Get a quote to see for yourself.

Homeowners insurance is not a legal requirement in Florida or any other state. However, homeowners insurance is likely required by the lender if you have a mortgage on your home.

A roof deductible is the amount of money you’re responsible for paying before your insurance company covers a claim for roof damage caused by events other than a hurricane.

Trust-owned homes are eligible for coverage from Kin. Get a quote today.

The short answer is yes, you can buy home insurance without windstorm coverage in Florida.

The Miami Herald reported in late 2023 that the Insurance Information Institute estimates 13% of homeowners in Florida are foregoing homeowners insurance coverage. This is much higher than the national average of 7% going without coverage.

Find out what limits to choose for each part of your policy.

The most expensive state for homeowners insurance is Florida. In fact, the Sunshine State has ranked in the top three for highest average costs for homeowners insurance since 2007.

Location and construction materials play a primary role in determining flood insurance premiums, but insurers may look at other factors.

The information you need to get a policy can vary by provider, but most want either proof of prior insurance or your closing disclosure.

Kin quotes are good for up to 60 days.

Find out how to qualify for a security system insurance discount.

A number of communities qualify as secured communities: those with a guard at the gate, a keycard gate, a stationed guard in the area, or a single entry.

A windstorm mitigation inspection shows how wind resistant your home is. It can save you big money on your home insurance.

In a reciprocal insurance exchange, the carrier is owned by policyholders but managed by a separate entity.

We think everything about home insurance should be easy – including refunds.

A surplus contribution is a small fee you pay to your insurance provider as a buffer against claims.

Depending on where you live, you may see the following fees: EMPA, FIGA, installment fees, inspection fees, and surplus contributions.

An installment fee is a small service charge that covers the cost of processing additional premium payments.

You can file a home insurance claim by logging into the customer portal or calling 866-204-2219.

If you can't afford your homeowners insurance deductible and experience a claim that exceeds it, then you may have to find another way to cover your portion of the repair costs.

Typically claims stay on your CLUE report for five to seven years.

Find out how homeowners insurance claims are paid and how your coverage and deductible impact your final payout

Our claims process is designed to help you recover from disasters big and small, whether that’s a hurricane, flood, or wildfire, or a leaky pipe.

Using insurance money from a claim for something other than repairs could result in your homeowners policy being nonrenewed.

Homeownership is the epitome of the American dream, and your home is likely to be the most significant purchase you’ll ever make. If you purchase wisely, the equity growth of your home could lead to financial security.

Nobody loves tax season, but it's a yearly reminder that homeownership has its perks.