{"id":3442,"date":"2026-07-24T21:05:52","date_gmt":"2026-07-25T01:05:52","guid":{"rendered":"https:\/\/rtcinsuranceadvisors.com\/blog\/?p=3442"},"modified":"2026-07-24T21:08:40","modified_gmt":"2026-07-25T01:08:40","slug":"dwelling-coverage-florida","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/dwelling-coverage-florida\/","title":{"rendered":"Dwelling Coverage (Coverage A) \u2013 Florida Home Insurance Guide"},"content":{"rendered":"<h2>What Dwelling Coverage Protects<\/h2>\n<p>Dwelling Coverage \u2014 also called <strong>Coverage A<\/strong> \u2014 protects the physical structure of your home and pays to rebuild it after a covered loss.<\/p>\n<ul>\n<li>Roof<\/li>\n<li>Exterior walls<\/li>\n<li>Interior walls<\/li>\n<li>Flooring<\/li>\n<li>Built\u2011in cabinets<\/li>\n<li>Attached garage<\/li>\n<li>Foundation<\/li>\n<li>Permanently attached fixtures<\/li>\n<\/ul>\n<h2>Why Coverage A Matters When Buying a Home<\/h2>\n<p>Coverage A determines whether your home is insured for the correct amount. It should match the <strong>rebuild cost<\/strong>, not the market value.<\/p>\n<div id=\"rtci-wrapper\" style=\"display:block;width:100%;box-sizing:border-box;\">\r\n\r\n<!-- Badges \/ Tumble -->\r\n<div style=\"text-align:center;margin:30px 0;\">\r\n  <div class=\"tumble\" style=\"display:inline-flex;gap:12px;flex-wrap:wrap;align-items:center;\">\r\n    <a href=\"https:\/\/www.robertcolucci.com\/reviews\/\" target=\"_blank\" rel=\"noopener\">\r\n      <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;\">\r\n    <\/a>\r\n\t\t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Licensed Florida Insurance Agent<\/div>\r\n    \t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Serving Florida Since 2008<\/div>\r\n    \t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Trusted by Realtors & Loan Officers<\/div>    \r\n    \t<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>\r\n  <\/div>\r\n<\/div>\r\n\r\n<!-- Unified Anchor -->\r\n<div id=\"quoteform\"><\/div>\r\n\r\n<style>\r\n.rtci-form {\r\n    max-width:650px;\r\n    margin:0 auto;\r\n    padding:30px;\r\n    border-radius:12px;\r\n    background:#fff;\r\n    box-shadow:\r\n        0 3px 6px rgba(0,0,0,0.08),\r\n        0 10px 20px rgba(0,0,0,0.06),\r\n        0 20px 40px rgba(0,0,0,0.05);\r\n    border:1px solid #e6e6e6;\r\n}\r\n\r\n.rtci-step{display:none}\r\n.rtci-step.rtci-active{display:block}\r\n\r\n.rtci-row{margin-bottom:15px}\r\n.rtci-row label{display:block;font-weight:700;margin-bottom:5px}\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    border:1px solid #ccc;\r\n    border-radius:6px;\r\n}\r\n\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 .2s ease,box-shadow .2s ease;\r\n}\r\n\r\n.rtci-next,.rtci-prev,.rtci-submit{\r\n    padding:12px 20px;\r\n    font-size:16px;\r\n    margin-top:10px;\r\n    cursor:pointer;\r\n    border:none;\r\n    border-radius:6px;\r\n    background:#07c;\r\n    color:#fff;\r\n}\r\n.rtci-prev{background:#555}\r\n\r\n.rtci-progress{\r\n    width:100%;\r\n    height:8px;\r\n    background:#e5e5e5;\r\n    border-radius:4px;\r\n    margin-bottom:20px;\r\n    overflow:hidden\r\n}\r\n.rtci-progress-bar{\r\n    height:8px;\r\n    width:0;\r\n    background:#07c;\r\n    transition:width .3s ease\r\n}\r\n\r\ninput:-webkit-autofill,\r\ntextarea:-webkit-autofill,\r\nselect:-webkit-autofill {\r\n    -webkit-box-shadow:0 0 0px 1000px #fff inset!important;\r\n    box-shadow:0 0 0px 1000px #fff inset!important;\r\n    background-color:#fff!important;\r\n    color:#000!important;\r\n}\r\n\r\n.rtci-submit.processing {\r\n    background: #28a745 !important; \/* green *\/\r\n    cursor: not-allowed;\r\n    opacity: 0.85;\r\n}\r\n<\/style>\r\n\r\n<div class=\"flip\">\r\n<div class=\"rtci-form\">\r\n<h2>Get Florida Home Insurance Quotes<\/h2>\r\n\r\n<div class=\"rtci-progress\">\r\n    <div class=\"rtci-progress-bar\" id=\"rtci-progress-bar\"><\/div>\r\n<\/div>\r\n\r\n<form id=\"rtci-home-form\" action=\"\/blog\/forms\/send-homeowners.php\" method=\"POST\">\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\r\n<div class=\"rtci-row\">\r\n    <label for=\"driver_first\">First Name:<\/label>\r\n    <input name=\"driver_first\" id=\"driver_first\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"driver_last\">Last Name:<\/label>\r\n    <input name=\"driver_last\" id=\"driver_last\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"phone\">Phone Number:<\/label>\r\n    <input name=\"phone\" id=\"phone\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"email\">Email Address:<\/label>\r\n    <input type=\"email\" name=\"email\" id=\"email\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"dob\">Date of Birth:<\/label>\r\n    <input type=\"date\" name=\"dob\" id=\"dob\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_street\">Street Address You Want Quoted:<\/label>\r\n    <input name=\"address_street\" id=\"address_street\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_city\">City:<\/label>\r\n    <input name=\"address_city\" id=\"address_city\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_state\">State:<\/label>\r\n    <input type=\"text\" name=\"address_state\" id=\"address_state\" value=\"Florida\" readonly required \r\n           style=\"width:100%;padding:10px;background:#f0f0f0;\">\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_zip\">ZIP Code:<\/label>\r\n    <input name=\"address_zip\" id=\"address_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 for=\"stories\">Number of Floors:<\/label>\r\n    <select name=\"stories\" id=\"stories\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"1\">1 Story<\/option>\r\n      <option value=\"2\">2 Stories<\/option>\r\n      <option value=\"3\">3 Stories<\/option>\r\n      <option value=\"4+\">4 or More Stories<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"square_feet\">Approx. Heated Square Footage: (Living Area)<\/label>\r\n    <input type=\"text\" name=\"square_feet\" id=\"square_feet\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"construction\">Construction Type:<\/label>\r\n    <select name=\"construction\" id=\"construction\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"ConcreteBlock\">Concrete Block<\/option>\r\n      <option value=\"WoodFrame\">Wood Frame<\/option>\r\n      <option value=\"Brick Veneer\">Brick Veneer<\/option>\r\n      <option value=\"Mixed\">Mixed Block\/Frame<\/option>\r\n      <option value=\"SteelFrame\">Steel Frame<\/option>\r\n      <option value=\"Unsure\">Unsure<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"roof_year\">Roof Year:<\/label>\r\n    <input type=\"text\" name=\"roof_year\" id=\"roof_year\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"policy_type\">What Type of Policy Do You Need?<\/label>\r\n    <select name=\"policy_type\" id=\"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\r\n  <div class=\"rtci-row\">\r\n    <label for=\"claims\">Number of home or flood claims\/losses in 5 years:<\/label>\r\n    <select name=\"claims\" id=\"claims\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Zero\">Zero<\/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 for=\"current_insurance\">Do you have current insurance on home?<\/label>\r\n    <select name=\"current_insurance\" id=\"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\">Not Yet (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\r\n  <div class=\"rtci-row\">\r\n    <label for=\"dwelling_limit\">Dwelling Coverage: (What It Costs to Rebuild Your Home)<\/label>\r\n    <input type=\"text\" name=\"dwelling_limit\" id=\"dwelling_limit\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"liability_limit\">Liability Limit:<\/label>\r\n    <select name=\"liability_limit\" id=\"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      <option value=\"$500,000\">$500,000<\/option>\r\n      <option value=\"Unsure\">Unsure - Recommend<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"hurricane_deductible\">Hurricane Deductible: (% of Dwelling Limit)<\/label>\r\n    <select name=\"hurricane_deductible\" id=\"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      <option value=\"10%\">10%<\/option>\r\n      <option value=\"ExWind\">Exclude Wind<\/option>\r\n      <option value=\"Unsure\">Unsure - Recommend<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"aop_deductible\">All Other Perils Deductible:<\/label>\r\n    <select name=\"aop_deductible\" id=\"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      <option value=\"$5000\">$5000<\/option>\r\n      <option value=\"Unsure\">Unsure - Recommend<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"notes\">Additional Notes:<\/label>\r\n    <textarea name=\"notes\" id=\"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<div style=\"margin-top:12px;font-size:13px;color:#555;line-height:1.5;\">\r\n  Your information stays private and only used for your quote.  \r\n<\/div>\r\n\r\n<\/form>\r\n<\/div>\r\n<\/div>\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n  let step = 0;\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  const bar      = document.getElementById(\"rtci-progress-bar\");\r\n\r\n  function updateBar() {\r\n    const total = steps.length;\r\n    bar.style.width = ((step + 1) \/ total * 100) + \"%\";\r\n  }\r\n\r\n  function showStep(n) {\r\n    steps.forEach(s => s.classList.remove(\"rtci-active\"));\r\n    steps[n].classList.add(\"rtci-active\");\r\n    updateBar();\r\n\r\n    const anchor = document.querySelector(\"#quoteform\");\r\n    if (anchor) {\r\n      window.scrollTo({ top: anchor.offsetTop - 20, behavior: \"smooth\" });\r\n    }\r\n  }\r\n\r\n  function validateStep(n) {\r\n    const required = steps[n].querySelectorAll(\"input[required],select[required]\");\r\n    for (let field of required) {\r\n      if (!field.value.trim()) {\r\n        field.style.borderColor = \"red\";\r\n        field.focus();\r\n        return false;\r\n      }\r\n      field.style.borderColor = \"#ccc\";\r\n    }\r\n    return true;\r\n  }\r\n\r\n  nextBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (!validateStep(step)) return;\r\n      step++;\r\n      if (step >= steps.length) step = steps.length - 1;\r\n      showStep(step);\r\n    });\r\n  });\r\n\r\n  prevBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      step--;\r\n      if (step < 0) step = 0;\r\n      showStep(step);\r\n    });\r\n  });\r\n\r\n  \/* -------------------------------------------------\r\n     \u2b50 FIXED: NO SCROLL ON PAGE LOAD\r\n     ------------------------------------------------- *\/\r\n  updateBar();\r\n  steps[0].classList.add(\"rtci-active\");\r\n\r\n  \/* -------------------------------------------------\r\n     \u2b50 SUBMIT LOCK\r\n     ------------------------------------------------- *\/\r\n  const form = document.getElementById(\"rtci-home-form\");\r\n  const submitBtn = document.querySelector(\".rtci-submit\");\r\n\r\n  form.addEventListener(\"submit\", function() {\r\n    submitBtn.classList.add(\"processing\");\r\n    submitBtn.textContent = \"Submitting...\";\r\n    submitBtn.disabled = true;\r\n  });\r\n\r\n});\r\n<\/script>\r\n<\/div>\n<h2>What Coverage A Does Not Cover<\/h2>\n<ul>\n<li>Detached structures (Coverage B)<\/li>\n<li>Personal belongings (Coverage C)<\/li>\n<li>Liability claims<\/li>\n<li>Loss of Use<\/li>\n<li>Flood damage<\/li>\n<li>Earth movement<\/li>\n<\/ul>\n<h2>How Your Rebuild Cost Is Calculated<\/h2>\n<ul>\n<li>Square footage<\/li>\n<li>Roof type<\/li>\n<li>Construction materials<\/li>\n<li>Number of stories<\/li>\n<li>Age of the home<\/li>\n<li>Local labor and material costs<\/li>\n<\/ul>\n<h2>Common Upgrades That Affect Coverage A<\/h2>\n<ul>\n<li>Tile roofs<\/li>\n<li>High\u2011end flooring<\/li>\n<li>Custom cabinetry<\/li>\n<li>Upgraded kitchens<\/li>\n<li>Large lanais<\/li>\n<li>Attached garages<\/li>\n<li>Screen enclosures<\/li>\n<\/ul>\n<h2>Quick Tips for Florida Homeowners<\/h2>\n<ul>\n<li>Coverage A should match the <strong>rebuild cost<\/strong>, not the sale price.<\/li>\n<li>Older homes often need <strong>Ordinance &amp; Law<\/strong> for code upgrades.<\/li>\n<li>Homes with tile roofs or custom finishes may need higher limits.<\/li>\n<li>Flood damage is <strong>not<\/strong> covered under Coverage A.<\/li>\n<\/ul>\n<div style=\"display:flex;flex-wrap:wrap;gap:30px;margin:30px 0\">\n<div style=\"flex:1;min-width:280px;max-width:600px;padding:20px;background:#fafafa;border-radius:8px;border:1px solid #ddd\">\n<div style=\"margin-top:0;font-size:20px;font-weight:700;text-align:center\">Florida Coverage &#038; Policy Guides<\/div>\n<ul style=\"font-size:16px;line-height:1.6;padding-left:20px\">\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-coverage-a-b-c-d\/\" target=\"_blank\" rel=\"noopener\">Coverage A, B, C &#038; D Explained<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-replacement-cost-vs-acv\/\" target=\"_blank\" rel=\"noopener\">Replacement Cost vs ACV<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-ordinance-or-law-coverage\/\" target=\"_blank\" rel=\"noopener\">Ordinance or Law Coverage<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-deductibles\/\" target=\"_blank\" rel=\"noopener\">Home Insurance Deductibles<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-exclusions\/\" target=\"_blank\" rel=\"noopener\">Common Florida Insurance Exclusions<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-discounts\/\" target=\"_blank\" rel=\"noopener\">Florida Home Insurance Discounts<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-explained\/\" target=\"_blank\" rel=\"noopener\">Florida Home Insurance Explained<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/why-florida-insurance-is-different\/\" target=\"_blank\" rel=\"noopener\">Why Florida Insurance Is Different<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=\"flex:1;min-width:280px;max-width:600px;padding:20px;background:#fafafa;border-radius:8px;border:1px solid:#ddd\">\n<div style=\"margin-top:0;font-size:20px;font-weight:700;text-align:center\">Florida Inspections, Roof &#038; Underwriting Guides<\/div>\n<ul style=\"font-size:16px;line-height:1.6;padding-left:20px\">\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-four-point-inspection\/\" target=\"_blank\" rel=\"noopener\">4\u2011Point Inspection Guide<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-wind-mitigation-inspections\/\" target=\"_blank\" rel=\"noopener\">Wind Mitigation Inspection<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-roof-age-rules\/\" target=\"_blank\" rel=\"noopener\">Florida Roof Age Rules<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-roof-requirements\/\" target=\"_blank\" rel=\"noopener\">Roof Requirements for Florida Homes<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-claim-inspection\/\" target=\"_blank\" rel=\"noopener\">Claim Inspection Process<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/flood-elevation-certificate-florida\/\" target=\"_blank\" rel=\"noopener\">Flood Elevation Certificates<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-hurricane-deductibles-guide\/\" target=\"_blank\" rel=\"noopener\">Hurricane Deductibles Guide<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/why-florida-homes-need-wind-mitigation\/\" target=\"_blank\" rel=\"noopener\">Why Homes Need Wind Mitigation<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/roof-certification-florida\/\" target=\"_blank\" rel=\"noopener\">Roof Certification<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=\"flex:1;min-width:280px;max-width:600px;padding:20px;background:#fafafa;border-radius:8px;border:1px solid:#ddd\">\n<div style=\"margin-top:0;font-size:20px;font-weight:700;text-align:center\">Florida Buyer, Property &#038; Policy Type Guides<\/div>\n<ul style=\"font-size:16px;line-height:1.6;padding-left:20px\">\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-insurance-for-new-homebuyers\/\" target=\"_blank\" rel=\"noopener\">Insurance for New Homebuyers<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/what-florida-homebuyers-must-know-before-closing\/\" target=\"_blank\" rel=\"noopener\">What Homebuyers Must Know Before Closing<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-second-home-insurance\/\" target=\"_blank\" rel=\"noopener\">Second Home Insurance<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-landlord-insurance-guide\/\" target=\"_blank\" rel=\"noopener\">Landlord Insurance Guide<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-detached-structures-insurance\/\" target=\"_blank\" rel=\"noopener\">Detached Structures Coverage<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-high-value-home-insurance\/\" target=\"_blank\" rel=\"noopener\">High\u2011Value Home Insurance<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/ho4-policy-florida-2\/\" target=\"_blank\" rel=\"noopener\">HO\u20114 Renters Policy<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/ho5-policy-florida-2\/\" target=\"_blank\" rel=\"noopener\">HO\u20115 Comprehensive Policy<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/ho6-policy-florida-2\/\" target=\"_blank\" rel=\"noopener\">HO\u20116 Condo Policy<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/dp3-policy-florida\/\" target=\"_blank\" rel=\"noopener\">DP\u20113 Rental Property Policy<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/resources-hub\/\" target=\"_blank\" rel=\"noopener\">Florida Insurance Learning Center \u2192<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>What Dwelling Coverage Protects Dwelling Coverage \u2014 also called Coverage A \u2014 protects the physical structure of your home and pays to rebuild it after a covered loss. Roof Exterior walls Interior walls Flooring Built\u2011in cabinets Attached garage Foundation Permanently attached fixtures Why Coverage A Matters When Buying a Home Coverage A determines whether your&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","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":[],"class_list":["post-3442","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/3442","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=3442"}],"version-history":[{"count":3,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/3442\/revisions"}],"predecessor-version":[{"id":3445,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/3442\/revisions\/3445"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=3442"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=3442"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=3442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}