Florida requires $2,000 of loss assessment coverage on condo unit-owner policies, not a full HO-6. See what the master policy covers and the post-Surfside rules.
Florida law doesn't require flood insurance, but lenders and Citizens can. See NFIP limits of $250,000 and $100,000, the 30-day wait and the Citizens schedule.
Florida had the highest average HO-3 premium in 2022, at $2,677. See why rates are high, what the 2021 to 2023 reforms changed and what to do at renewal.
Florida insurers must offer $500, 2%, 5% and 10% hurricane deductibles, figured on your dwelling limit. See when the deductible applies and the yearly rule.
Florida law doesn't require renters insurance, but a lease can. See what an HO-4 covers, hurricane deductible and flood gaps, and the $186 average premium.
Florida insurers can't refuse a roof under 15 years old solely for age, and older roofs get an inspection first. See ACV rules, roof deductibles and the 25% rule.
Georgia's FAIR Plan, run by the Georgia Underwriting Association, covers property private insurers won't. See who qualifies, what it covers and how to apply.
Find your Georgia flood zone by address, see when lenders require flood insurance, and compare NFIP limits of $250,000 and $100,000 with private flood options.
A Georgia homeowners insurance increase can come from filed rates or your own roof, limits and claims. See 2023 averages, coverage, notice rules and next steps.
Georgia renters insurance is usually a lease requirement. The 2023 average HO-4 premium was $206. See what it covers, flood limits and student options.
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