Homeowners Insurance in Weston, FL and Jupiter, FL
Serving Broward County, Palm Beach County, and all of Florida
Protecting your home means more than just installing a security system, investing in a smart lock or making the dwelling weather-resistant. It also means buying homeowners insurance. 
Regardless of how many security features your home has, you cannot prevent every instance of damage or loss that might arise. Your home insurance plan can be there to help you in such circumstances. Because all homes are unique, it’s important to review your coverage and limits on your homeowners insurance policy to ensure you’re properly protected.
If you live in the state of Florida, we can help you out. Our experienced agents at Bruening Insurance Agency will assist you in finding a home insurance policy tailored to fit your exact needs and budget restrictions. When it comes to your home, you can never be safe enough. Request a quote or call us at 800-293-0131 for a quote today.
What Does Home Insurance Cover in Florida?
Homeowners policies vary greatly, but there are typical inclusions in every policy, such as:
- Dwelling insurance that pays for repairs to your home following hazards like fires, severe weather, vandalism, theft or other unexpected damage.
- Other structures coverage is separate from your dwelling coverage and helps you repair or rebuild detached structures on your property, such as storage sheds, gazebos or carports.
- Contents coverage insures the possessions inside your home in case of unexpected losses.
- Liability insurance helps you pay if you negligently cause harm to someone who doesn’t live with you (i.e., a neighbor or guest) and they sue you for their medical bills or property damage.
- Accidental medical payments insurance can cover third-party injuries on your property even if the affected person’s injuries are not your fault.
- Loss of use coverage pays for living expenses when your home sustains damage and you must temporarily vacate it.
Again, these are the typical benefits of home insurance coverage. Our agents will help you evaluate potential benefits included in the policies you’re looking at.
What Policies Are Available in Florida?
A typical home insurance policy in Florida will protect you from incidents such as weather damage, vandalism, theft and fire. In the unfortunate scenario of one of the previously mentioned incidents, a standard policy typically covers food and lodging costs if you need to temporarily relocate.
A standard policy will also likely cover outbuilding, which includes:
- Detached garages
- Fences
- Sheds
- Outdoor fireplaces
- Swimming pools
Does Florida Homeowners Insurance Cover Hurricane and Flood Damage?
Florida homeowners insurance can help cover hurricane damage from wind and rain but typically won’t cover flood damage. Flood damage from heavy rain or storm surges typically requires a separate flood insurance policy. Reviewing your policy details and considering extra coverage options is crucial.
Does Homeowners Insurance Cover Home Improvements or Renovations?
Homeowners insurance generally does not cover the cost of home improvements or renovations themselves. However, it can cover damages or losses that occur during the renovation process, such as injuries or theft. Additionally, certain renovations might impact your insurance coverage and premiums. For example, adding a swimming pool can increase your liability risk and may require higher coverage limits. It’s important to inform your insurance provider about any significant changes to verify that your policy adequately covers your updated home.
What Factors Impact Florida Homeowners Insurance Rates?
The following factors can influence Florida homeowners insurance rates:
- Location
- Home’s age and condition
- Coverage limits
- Home’s replacement cost
- Home security and safety features
- Claims history
Are There Any Ways to Save on Homeowners Insurance in Florida?
The following methods may help you save on homeowners insurance in Florida:
- Get a wind mitigation inspection. Florida insurers may offer credits to homeowners who make their homes more wind-resistant. This inspection can significantly reduce your premium.
- Raise your deductible. Increasing your deductible can lower your premium.
- Ask about discounts. Many insurers offer discounts for security systems, electronic policies or living in gated communities.
- Fortify your roof. Strengthening your roof can protect against hail, high winds and hurricanes, potentially lowering your insurance costs.
- Bundle policies. Combining your home and auto insurance with the same provider can lead to discounts.
- Improve home security. Installing security systems, fire alarms and storm shutters can earn you discounts.
- Maintain a good credit score. A higher credit score can lead to lower insurance premiums.
Questions or Concerns?
Your home is your safe place. At Bruening Insurance Agency, we understand this. We can help you find coverage that matches your needs for you and your home at a reasonable cost. Request a quote or contact us at 800-293-0131 to take the right step in protecting your home.