Home Insurance Checklist

A Simple Guide to Make Sure Your Home Is Properly Protected

Need help reviewing your coverage? Call 352‑200‑2066

This Home Insurance Checklist gives you a quick, easy way to make sure your policy covers what matters most. Whether you’re buying a new home, renewing your policy, or comparing quotes, this list helps you avoid gaps and surprises.

1. Property Coverage

Make sure your policy includes the right protection for your home and belongings:

• Dwelling Coverage – Enough to rebuild your home at today’s construction costs
• Other Structures – Sheds, fences, detached garages
• Personal Property – Furniture, electronics, clothing, valuables
• Loss of Use – Hotel and living expenses if your home becomes unlivable

2. Liability Protection

Liability is one of the most important parts of your policy:

• Personal Liability – Covers injuries or damage you’re legally responsible for
• Medical Payments – Small medical claims without needing a lawsuit
• Umbrella Policy (optional) – Extra protection for high‑value assets

3. Roof & Wind Coverage

Florida homeowners should always confirm:

• Roof type and age are correctly listed
• Wind/Hurricane deductible is understood
• Roof settlement is Replacement Cost (RCV) when possible
• Wind mitigation credits are applied

4. Flood Insurance (Not Included in Home Insurance)

Home insurance does not cover flood damage. Check:

• Your FEMA flood zone
• Whether your lender requires flood insurance
• NFIP vs. private flood pricing

If you’re unsure, I can run a flood zone lookup for you.

5. Discounts & Credits

Make sure you’re getting every discount available:

• Wind mitigation inspection
• New roof or roof updates
• Alarm system or monitored security
• Gated community (if applicable)
• Multi‑policy (home + auto)

6. Policy Accuracy

Double‑check that your policy details are correct:

• Square footage
• Year built
• Roof material and age
• Construction type (block, frame, mixed)
• Updates to plumbing, electrical, HVAC

Incorrect details can affect pricing and claims.

7. Annual Review

Review your policy every year, especially if you:

• Renovated or added square footage
• Installed a new roof
• Bought expensive items
• Changed occupancy (rental, seasonal, vacant)

Need a Professional Policy Review?

If you want a quick, no‑pressure review of your home insurance, I can walk through your policy and make sure everything is accurate and properly covered.

Call anytime or request a quote — I’ll help you make sure your home is protected the right way.

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Get a Florida Home Insurance Quote

No matter where you live in Florida, I can help you compare rates from multiple carriers and find the best homeowners insurance options for your property.