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

Request Coverage Analysis

or text “INSURANCE2025” to 954-342-6180