Definition: Florida homeowners insurance, also known as Florida homeowner's policy (FHP), is a type of insurance policy that covers the damages caused by natural disasters or other events related to your home in Florida. This coverage helps protect you from financial losses if any damage occurs due to natural causes such as hurricanes, tornadoes, wildfires, earthquakes, floods, and ice storms.
The definition of "florida home owners insurance" includes all types of covered damages that can cause property damage, including but not limited to:
1.
Water Damage
: This covers damages caused by water from any source, such as a leaky faucet, overflowing sink or toilet, dripping faucets, standing water, or a sewage overflow.
2.
Fire Damage
: Covers damages caused due to fires or smoke inhalation, which can occur when you leave your home unattended for extended periods of time after the fire has been put out.
3.
Earthquake Damage
: This coverage covers damage caused by earthquakes that may occur at any point during the property's life.
4.
Tornado Damage
: Covers damages from tornadoes that may cause roof damage, power loss, or structural collapse.
5.
Flood Damage
: Covers damages caused by floods and storm surges, which can occur when a rainstorm or strong wind causes a rise in water levels, flooding your home.
The coverage is generally comprehensive, covering the losses incurred due to natural disasters as well as common damages that could arise from everyday living activities.
To understand how this policy works, please consult an insurance agent or refer to your specific insurance provider's website for the most accurate information.
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