What Disasters Are Covered by Florida Homeowner Insurance?

When natural disasters strike, your homeowner insurance policy can provide peace of mind. That is, if the disaster in question is covered by your policy in the first place. Every Florida homeowner’s insurance policy is different, so you’ll need to pay close attention to the named perils in your policy documents. Named perils or disasters can range from wind and fire to hail and volcanic explosions. The following disasters are typically covered by most policies.


Fearsome windstorms can cause massive property damage with devastating effects. Whether or not your homeowner’s insurance policy will cover wind damage can depend on where you live. For example, if you live near the coast or on the beach, you may have a harder time getting wind coverage than someone who lives further inland.

At Absolute Choice Insurance, we help our clients secure policies with wind coverage to protect their homes from damage and disaster. We know that many Florida homeowners are concerned about potential windstorms, so we work hard to ensure we can help alleviate their fears.

Fire and Lightning

The thought of your home being struck by lightning or suddenly going up in smoke can be terrifying. Fortunately, fire and lightning damage are commonly covered by home insurance. Smoke damage is commonly covered as well, as it can occur alongside fire damage.

However, there are a few scenarios where your policy won’t cover fire-related damage. if an investigation determines that the fire was an act of arson, your insurance won’t cover it. Additionally, if your home was vacant at the time of the fire, the insurance company will likely deny the claim.


Hailstorms can cause everything from broken windows to roofing damage. When a storm strikes, you can rest easy knowing that you’re covered in the event that any hail damage occurs. Large hailstorms aren’t common in Florida because of the warm temperatures, but as any Floridian knows, the Sunshine State’s weather isn’t always predictable. Because of this, hail coverage is an important part of a strong home insurance policy.

Falling Objects

From satellites and asteroids to aircraft and more, Florida home insurance policies usually provide coverage for disasters resulting from falling objects. While it might sound exceptionally rare, it’s not unheard of for things like aircraft parts or space junk to fall from the sky and damage homes below. Luckily, your home will be protected from any such damage with your home insurance policy.

What Isn’t Covered By Florida Homeowner Insurance?

Typically, you’ll need to purchase separate coverage for things like floods, hurricanes, and sinkholes. While it’s an additional expense, many homeowners find that it’s worth it for the extra peace of mind.

The state of Florida is no stranger to severe weather and natural disasters. Thankfully, home insurance provides protection for all the “what ifs” that may happen along the way. To find the best policy for your home, you should work with a company that knows the ins and outs of the insurance industry. Get a free quote from the team at Absolute Choice Insurance to find out how you can save with fast and affordable coverage for your home.


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