561-448-0812
FLORIDA HOME INSURANCE
Protect the Home
You Built Your
Life Around.
Florida homeowners insurance has details that matter—from dwelling limits and hurricane deductibles to liability and separate flood protection. We help you understand the coverage before you need to use it.
Palm Beach Gardens - Serving South Florida Since 2007
FLORIDA HOME INSURANCE
Florida homeowners insurance has details that matter—from dwelling limits and hurricane deductibles to liability and separate flood protection. We help you understand the coverage before you need to use it.
Palm Beach Gardens - Serving South Florida Since 2007
TWO DIFFERENT NEEDS
More Than Four Walls.
A homeowners policy can protect several parts of your financial life. The important part is knowing what your policy actually includes, the limits that apply, and what may require separate coverage.
Your Home
Coverage for the structure of your home when damage results from a covered cause of loss.
Your Belongings
Protection for furniture, clothing, electronics and other personal property, subject to policy limits and exclusions.
Your Temporary Living Costs
If a covered loss makes your home uninhabitable, your policy may help with eligible additional living expenses.
Your Personal Liability
Protection when you may be legally responsible for certain injuries or property damage to others.
TWO DIFFERENT NEEDS
More Than Four Walls.
A homeowners policy can protect several parts of your financial life. The important part is knowing what your policy actually includes, the limits that apply, and what may require separate coverage.
Your Home
Coverage for the structure of your home when damage results from a covered cause of loss.
Your Belongings
Protection for furniture, clothing, electronics and other personal property, subject to policy limits and exclusions.
Your Temporary Living Costs
If a covered loss makes your home uninhabitable, your policy may help with eligible additional living expenses.
Your Personal Liability
Protection when you may be legally responsible for certain injuries or property damage to others.
FLORIDA CHANGES THE CONVERSATION
Four Details Florida
Homeowners Should
Understand.
Hurricane Deductible
Your hurricane deductible may be different from your standard deductible.
Before renewal, know the actual dollar amount you would be responsible for after a covered hurricane loss—not just the percentage printed on the policy.
Flood Is Different
Homeowners insurance generally does not include coverage for flooding.
Flood protection is typically purchased separately or, depending on the insurer, added through an available endorsement.
Rebuilding Is Not the Same as Market Value
Your home’s insurance limit should reflect what it may cost to rebuild—not simply what the property could sell for today.
Construction costs, materials and code requirements can affect the cost of rebuilding after a major loss.
Building-Code Costs Matter
Older homes may need upgraded materials or systems to comply with current codes after a covered loss.
Review the Ordinance or Law coverage included in the policy instead of assuming every rebuilding expense is automatically covered.
FLORIDA CHANGES THE CONVERSATION
Four Details Florida
Homeowners Should
Understand.
Hurricane Deductible
Your hurricane deductible may be different from your standard deductible.
Before renewal, know the actual dollar amount you would be responsible for after a covered hurricane loss—not just the percentage printed on the policy.
Flood Is Different
Homeowners insurance generally does not include coverage for flooding.
Flood protection is typically purchased separately or, depending on the insurer, added through an available endorsement.
Rebuilding Is Not the Same as Market Value
Your home’s insurance limit should reflect what it may cost to rebuild—not simply what the property could sell for today.
Construction costs, materials and code requirements can affect the cost of rebuilding after a major loss.
Building-Code Costs Matter
Older homes may need upgraded materials or systems to comply with current codes after a covered loss.
Review the Ordinance or Law coverage included in the policy instead of assuming every rebuilding expense is automatically covered.
FLORIDA CHANGES THE CONVERSATION
Five Numbers Worth Knowing.
Your dwelling
limit.
How much coverage applies to rebuilding your home?
Your hurricane deductible.
What would you actually pay out of pocket?
Your personal-property limit.
Would it realistically cover the belongings you own?
Your liability
limit.
How much protection exists if a serious liability claim occurs? Your flood coverage.
Your flood
coverage.
Do you have it—or are you assuming your homeowners policy covers rising water?
Already insured?
Bring us your declarations page. We’ll help you understand what you have and the questions worth asking before your next renewal.
FLORIDA CHANGES THE CONVERSATION
Five Numbers Worth Knowing.
Your dwelling
limit.
How much coverage applies to rebuilding your home?
Your hurricane deductible.
What would you actually pay out of pocket?
Your personal-property limit.
Would it realistically cover the belongings you own?
Your liability
limit.
How much protection exists if a serious liability claim occurs? Your flood coverage.
Your flood
coverage.
Do you have it—or are you assuming your homeowners policy covers rising water?
Already insured?
Bring us your declarations page. We’ll help you understand what you have and the questions worth asking before your next renewal.
LOCAL GUIDANCE
Florida Home Insurance Shouldn’t
Feel Like Guesswork.
Gregg’s team helps Palm Beach Gardens and South Florida homeowners understand
their coverage, deductibles and major exposures so decisions are based on more than
price alone.
LOCAL GUIDANCE
Florida Home Insurance Shouldn’t Feel Like Guesswork.
Gregg’s team helps Palm Beach Gardens and South Florida homeowners understand
their coverage, deductibles and major exposures so decisions are based on more than
price alone.
FAQ
Florida Home Insurance Questions
Does homeowners insurance cover hurricane damage?
Homeowners policies may provide coverage for certain hurricane-related damage, particularly covered wind damage, but the exact coverage and applicable hurricane deductible depend on the policy. Flooding caused by rising water is generally a separate exposure.
Is flood insurance included with homeowners insurance?
Usually not. Flood insurance is generally purchased separately, although some private insurers may offer flood coverage through endorsements or other arrangements.
What is a hurricane deductible?
It is the deductible that may apply to covered losses caused by a hurricane. Florida has specific rules governing how hurricane deductibles apply.
How much home insurance do I need?
The right amount depends on the property, rebuilding costs, belongings, liability exposure and available policy options. It should not be based only on the home’s purchase price.
When should I review my policy?
Review it at renewal and whenever you complete a major renovation, make significant purchases, add features such as a pool, or experience another major change that affects the property or your liability exposure.
RELATED COVERAGE
FAQ
Florida Home Insurance Questions
Does homeowners insurance cover hurricane damage?
Homeowners policies may provide coverage for certain hurricane-related damage, particularly covered wind damage, but the exact coverage and applicable hurricane deductible depend on the policy. Flooding caused by rising water is generally a separate exposure.
Is flood insurance included with homeowners insurance?
Usually not. Flood insurance is generally purchased separately, although some private insurers may offer flood coverage through endorsements or other arrangements.
What is a hurricane deductible?
It is the deductible that may apply to covered losses caused by a hurricane. Florida has specific rules governing how hurricane deductibles apply.
How much home insurance do I need?
The right amount depends on the property, rebuilding costs, belongings, liability exposure and available policy options. It should not be based only on the home’s purchase price.
When should I review my policy?
Review it at renewal and whenever you complete a major renovation, make significant purchases, add features such as a pool, or experience another major change that affects the property or your liability exposure.
RELATED COVERAGE
GREGG'S GOT YOU COVERED
Know What Your Home
Insurance Actually Protects.
Let’s review the property, the coverage and the details that matter.
GREGG'S GOT YOU COVERED
Know What Your Home
Insurance Actually Protects.
Let’s review the property, the coverage and the details that matter.
Personal insurance guidance for individuals, families and business owners.
Email: [email protected]
Phone: 561 448 0812
Address: 4290 PROFESSIONAL CENTER DR SUITE 101, PALM BEACH GARDENS, FL 33410
© 2026 Gregg’s Got You Covered. All rights reserved. Coverage subject to policy terms, underwriting, and availability.