Miami homeowners insurance

South Florida homeowners have a complicated relationship with insurance — and for good reason. The combination of hurricane exposure, flood risk, and aging housing stock makes Miami-Dade one of the more complex markets in the country when it comes to coverage. The problem is that most homeowners don’t find out what their policy actually covers until they need to file a claim. That’s a bad time to learn. Here’s a plain-language breakdown of what a typical homeowners insurance policy in Miami-Dade does and doesn’t cover, so you can go into hurricane season knowing exactly where you stand. What’s Usually Covered Interior and exterior property damage Most policies cover damage to the structure of your home — roof, walls, floors — […]