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Is home insurance required in Florida?

I just purchased a home in Florida. I was lucky enough to be able to buy it outright and not have to take out a mortgage loan. Does Florida require home insurance?

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Talullah Blanco · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Home insurance is not required in Florida.
Even though you are not required to have home insurance, you should consider purchasing a policy to protect your biggest investment from fire, lightning, theft, and more. 
Homeowners insurance typically pays for the following in the event of a
covered peril
  • Losses and damages to your home
  • Losses and damages to your property
  • Losses and damages to your personal belongings
  • Repairs or rebuilds your home
  • Litigation fees
Pro tip:
Jerry
is the easiest and most effective way to find a home insurance policy that is customized for you. You can even bundle your home and car insurance policies for the most savings.
View full answer 
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