2025 Insurance Decoded: What Florida Policies Actually Cover
Scott Lehr
Licensed Realtor & Insurance Specialist
954-342-6180 |
scott@reallistingagent.com
2025 Coverage Essentials
- 🏠 Dwelling Coverage: $300k-$1M+
- 🌀 Hurricane Deductibles: 2-5% of home value
- 💧 Water Damage Exclusions
- 🌴 Pool/Spa Liability Limits
Use our Policy Analyzer Tool to identify coverage gaps.
3 Critical Policy Components
1. Hurricane Coverage Realities
2025 Changes in Broward County:
- ⏱️ 72-Hour Storm Definition Window
- 🌀 Mandatory $10k Wind Mitigation Credits
- 📉 Depreciation Schedules for Roofs
2. Flood Insurance Myths
What standard policies exclude:
- 🌊 Storm Surge Damage
- 🚰 Sewer Backup Costs
- 🏖️ Beach Erosion Protection
3. Liability Protection Updates
New 2025 minimums:
- 👨👩👧👦 $500k Personal Liability
- 🏡 $50k Property Damage
- 🐶 Breed-Specific Pet Coverage
Free Policy Review
Get our 2025 Insurance Checklist
or text “INSURANCE2025” to 954-342-6180