{"id":2380,"date":"2026-05-17T16:49:00","date_gmt":"2026-05-17T20:49:00","guid":{"rendered":"http:\/\/rtcinsuranceadvisors.com\/blog\/?p=2380"},"modified":"2026-07-21T07:28:33","modified_gmt":"2026-07-21T11:28:33","slug":"florida-home-insurance-2026","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/florida-home-insurance-2026\/","title":{"rendered":"Home Insurance for Florida: What Homeowners Should Look for in 2026"},"content":{"rendered":"<p><strong>Get a Florida Home Insurance Quote<\/strong><br \/>Compare options and make sure your home is protected with the right coverage.<br \/>Start your personalized quote here:<br \/>&#x1f449; <a href=\"https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\">https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm<\/a><\/p>\n<p>Florida\u2019s home insurance market has changed dramatically over the past decade. Rising premiums, fewer carriers, stricter underwriting, and evolving building code requirements have made choosing the right policy more important than ever. Whether you\u2019re buying a new policy or reviewing your current one, understanding what matters most today helps you avoid costly surprises.<\/p>\n<div id=\"rtci-wrapper\" style=\"all:unset;display:block;\">\r\n<div style=\"text-align:center;margin:30px 0;\"><div class=\"tumble\" style=\"display:inline-flex;gap:12px;flex-wrap:wrap;align-items:center;\"><a href=\"https:\/\/www.robertcolucci.com\/reviews\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/08\/google-rating-5-star.webp\" alt=\"Google 5-Star Rating\" style=\"height:50px;width:auto;\"><\/a><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Licensed Florida Insurance Agent<\/div><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Serving Florida Since 2008<\/div><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Trusted by Realtors & Loan Officers<\/div><a href=\"tel:3522002066\" style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px;color:#000;text-decoration:none;\">Call: 352\u2011200\u20112066<\/a><\/div><\/div>\r\n<div id=\"quoteform\"><\/div>\r\n<style>\r\n\/* Namespaced so nothing else on the site can interfere *\/\r\n.rtci-step { display:none; }\r\n.rtci-step.rtci-active { display:block; }\r\n\r\n.rtci-form {\r\n  max-width:600px;\r\n  margin:0 auto;\r\n}\r\n\r\n.rtci-row {\r\n  margin-bottom:15px;\r\n}\r\n\r\n.rtci-row label {\r\n  display:block;\r\n  font-weight:bold;\r\n  margin-bottom:5px;\r\n}\r\n\r\n.rtci-row input,\r\n.rtci-row select,\r\n.rtci-row textarea {\r\n  width:100%;\r\n  padding:10px;\r\n  font-size:16px;\r\n}\r\n\r\n.rtci-next,\r\n.rtci-prev,\r\n.rtci-submit {\r\n  padding:12px 20px;\r\n  font-size:16px;\r\n  margin-top:10px;\r\n  cursor:pointer;\r\n}\r\n<\/style>\r\n\r\n<div class=\"rtci-form\">\r\n  <h2>Get Florida Homeowners Insurance Quotes<\/h2>\r\n\r\n<style>\r\ninput:focus,\r\ntextarea:focus,\r\nselect:focus {\r\n    outline: none !important;\r\n    border: 2px solid #007bff !important;\r\n    box-shadow: 0 0 4px rgba(0, 123, 255, 0.4) !important;\r\n    transition: border-color 0.2s ease, box-shadow 0.2s ease;\r\n}\r\n<\/style>\r\n\r\n  <form id=\"rtci-home-form\" action=\"\/blog\/forms\/send-homeowners.php\" method=\"POST\">\r\n\r\n    <!-- Honeypot -->\r\n    <input type=\"text\" name=\"website\" style=\"display:none;\">\r\n\r\n    <!-- STEP 1 -->\r\n    <div class=\"rtci-step rtci-active\">\r\n      <div class=\"rtci-row\">\r\n        <label>First Name *<\/label>\r\n        <input type=\"text\" name=\"first_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Last Name *<\/label>\r\n        <input type=\"text\" name=\"last_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Phone *<\/label>\r\n        <input type=\"text\" name=\"phone\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Email *<\/label>\r\n        <input type=\"email\" name=\"email\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Street Address *<\/label>\r\n        <input type=\"text\" name=\"street\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>City *<\/label>\r\n        <input type=\"text\" name=\"city\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>State *<\/label>\r\n        <input type=\"text\" name=\"state\" value=\"FL\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>ZIP Code *<\/label>\r\n        <input type=\"text\" name=\"zip\" required>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 2 -->\r\n    <div class=\"rtci-step\">\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Number of Stories *<\/label>\r\n        <input type=\"text\" name=\"stories\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Square Footage *<\/label>\r\n        <input type=\"text\" name=\"square_feet\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Construction Type *<\/label>\r\n        <select name=\"construction\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Block\">Block<\/option>\r\n          <option value=\"Frame\">Frame<\/option>\r\n          <option value=\"Other\">Other<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Roof Year *<\/label>\r\n        <input type=\"text\" name=\"roof_year\" required>\r\n      <\/div>\r\n\r\n      <!-- \u2b50 NEW FIELD HERE \u2b50 -->\r\n<div class=\"rtci-row\">\r\n  <label>What Type of Policy Do You Need? *<\/label>\r\n  <select name=\"policy_type\" required>\r\n    <option value=\"\">Select<\/option>\r\n    <option value=\"Primary Home (HO-3)\">Primary Home (HO\u20113)<\/option>\r\n    <option value=\"Secondary Home (HO-3)\">Secondary Home (HO\u20113)<\/option>\r\n    <option value=\"Condo Unit-Owners (HO-6)\">Condo Unit\u2011Owners (HO\u20116)<\/option>\r\n    <option value=\"Tenant Occupied Home (DP-3)\">Tenant Occupied Home (DP\u20113)<\/option>\r\n    <option value=\"Flood Only\">Flood Only<\/option>\r\n    <option value=\"Flood + Homeowners\">Flood + Homeowners<\/option>\r\n  <\/select>\r\n<\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 3 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Any claims in the last 5 years? *<\/label>\r\n        <select name=\"claims\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"Yes - 1 claim\">Yes - 1 claim<\/option>\r\n          <option value=\"Yes - 2 claims\">Yes - 2 claims<\/option>\r\n          <option value=\"Yes - 3+ claims\">Yes - 3+ claims<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Current Insurance Status *<\/label>\r\n        <select name=\"current_insurance\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Yes\">Yes<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"New Purchase\">New Purchase<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 4 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Desired Dwelling Limit *<\/label>\r\n        <input type=\"text\" name=\"dwelling_limit\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Liability Limit *<\/label>\r\n        <select name=\"liability_limit\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$100,000\">$100,000<\/option>\r\n          <option value=\"$300,000\">$300,000<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Hurricane Deductible *<\/label>\r\n        <select name=\"hurricane_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"2%\">2%<\/option>\r\n          <option value=\"5%\">5%<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>All Other Perils Deductible *<\/label>\r\n        <select name=\"aop_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$500\">$500<\/option>\r\n          <option value=\"$1000\">$1000<\/option>\r\n          <option value=\"$2500\">$2500<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Additional Notes<\/label>\r\n        <textarea name=\"notes\" rows=\"4\"><\/textarea>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"submit\" class=\"rtci-submit\">Submit Quote<\/button>\r\n    <\/div>\r\n\r\n  <\/form>\r\n<\/div>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n  const steps = document.querySelectorAll(\".rtci-step\");\r\n  const nextBtns = document.querySelectorAll(\".rtci-next\");\r\n  const prevBtns = document.querySelectorAll(\".rtci-prev\");\r\n  let currentStep = 0;\r\n\r\n  function scrollToForm() {\r\n    const formTop = document.querySelector(\".rtci-form\").offsetTop;\r\n    window.scrollTo({ top: formTop - 20, behavior: \"smooth\" });\r\n  }\r\n\r\n  function showStep(n) {\r\n    steps.forEach(step => step.classList.remove(\"rtci-active\"));\r\n    steps[n].classList.add(\"rtci-active\");\r\n    scrollToForm();\r\n  }\r\n\r\n  nextBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep < steps.length - 1) {\r\n        currentStep++;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n  prevBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep > 0) {\r\n        currentStep--;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n});\r\n<\/script>\r\n\r\n<\/div>\n<p>Here\u2019s what Florida homeowners should look for in a <a href=\"https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\">home insurance policy in 2026<\/a>.<\/p>\n<h2>1. A financially stable insurance company<\/h2>\n<p>With several insurers leaving the state or becoming insolvent, financial strength is critical. Look for solid Demotech or AM Best ratings and carriers with long\u2011term Florida presence. Citizens is a last\u2011resort option \u2014 many homeowners qualify for private\u2011market offers with better coverage or lower deductibles.<\/p>\n<h2>2. Replacement cost coverage (not ACV)<\/h2>\n<p>Florida\u2019s climate accelerates wear. Replacement Cost Value (RCV) is essential:<\/p>\n<ul>\n<li>RCV on the dwelling<\/li>\n<li>RCV on personal property (if available)<\/li>\n<\/ul>\n<p>Avoid ACV unless you fully understand depreciation. More detail: <a href=\"https:\/\/www.robertcolucci.com\/replacement-cost-vs-market-value\/\" target=\"_blank\" rel=\"noopener\">replacement cost explained<\/a>.<\/p>\n<h2>3. Roof coverage that matches today\u2019s underwriting rules<\/h2>\n<p>Roof age is one of Florida\u2019s biggest rating factors. Many carriers require:<\/p>\n<ul>\n<li>Shingle roofs under 15 years<\/li>\n<li>Tile\/metal roofs under 25\u201330 years<\/li>\n<li>Proof of good condition for older roofs<\/li>\n<\/ul>\n<p>Some use roof payment schedules; others offer full RCV. Know which applies. More detail: <a href=\"https:\/\/www.robertcolucci.com\/roof-underwriting-changes\/\" target=\"_blank\" rel=\"noopener\">roof underwriting changes<\/a>.<\/p>\n<h2>4. Hurricane and windstorm deductibles<\/h2>\n<p>Florida policies include a separate hurricane deductible \u2014 usually 2%, 5%, or 10% of Coverage A. For a $350,000 home, 2% = $7,000 out of pocket. More detail: <a href=\"https:\/\/www.robertcolucci.com\/florida-home-insurance-deductibles\/\" target=\"_blank\" rel=\"noopener\">deductible guide<\/a>.<\/p>\n<h2>5. Water damage coverage<\/h2>\n<p>Water damage is one of Florida\u2019s most common claims. Look for:<\/p>\n<ul>\n<li>Sudden\/accidental water damage<\/li>\n<li>Strong mold remediation limits<\/li>\n<li>Optional water backup coverage<\/li>\n<\/ul>\n<h2>6. Ordinance &amp; Law coverage<\/h2>\n<p>Florida building codes are strict and updated frequently. Most homeowners choose 25% or 50% Ordinance &amp; Law to cover required upgrades.<\/p>\n<h2>7. Personal liability protection<\/h2>\n<p>Liability protects you if someone is injured on your property. Common limits:<\/p>\n<ul>\n<li>$300,000<\/li>\n<li>$500,000<\/li>\n<li>$1,000,000<\/li>\n<\/ul>\n<h2>8. Flood insurance (not included in home insurance)<\/h2>\n<p>Home insurance does not cover flooding. Options:<\/p>\n<ul>\n<li>NFIP (FEMA)<\/li>\n<li>Private flood insurers<\/li>\n<\/ul>\n<p>Even low\u2011risk homes can flood during heavy storms.<\/p>\n<h2>9. Work with an experienced Florida agent<\/h2>\n<p>Florida\u2019s market changes quickly. An independent agent helps you compare carriers, understand underwriting rules, and avoid gaps in coverage.<\/p>\n<h2>Final Thoughts<\/h2>\n<p>Home insurance in Florida is more complex than ever, but knowing what to look for makes the process easier. Focus on strong coverage, a stable insurer, and policy details that match today\u2019s realities \u2014 especially roof coverage, water protection, and hurricane deductibles.<\/p>\n<p><em>Updated May 2026<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Get a Florida Home Insurance QuoteCompare options and make sure your home is protected with the right coverage.Start your personalized quote here:&#x1f449; https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm Florida\u2019s home insurance market has changed dramatically over the past decade. Rising premiums, fewer carriers, stricter underwriting, and evolving building code requirements have made choosing the right policy more important than ever&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[3],"tags":[174],"class_list":["post-2380","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance","tag-home-insurance-for-florida"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2380","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=2380"}],"version-history":[{"count":8,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2380\/revisions"}],"predecessor-version":[{"id":3361,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2380\/revisions\/3361"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=2380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=2380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=2380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}