Florida home insurance coverages, explained.

What is Coverage A (Dwelling)?

Coverage A pays to rebuild the physical structure of your home — walls, roof, floors, and everything built in — after a covered loss like fire, wind, or hail. It should equal your home's replacement cost (what it costs to rebuild today), which is not the same as its market value or tax value.

In Florida, Coverage A is also the number your hurricane deductible is calculated from, so getting it right matters twice.

What is Coverage B (Other Structures)?

Coverage B protects structures on your property that are not attached to the house — fences, sheds, detached garages, gazebos. It is typically set at 2–10% of Coverage A.

What is Coverage C (Personal Property)?

Coverage C covers your belongings — furniture, electronics, clothing, kitchenware — usually at 25–50% of Coverage A. High-value items like jewelry or firearms often have sub-limits and may need scheduled endorsements.

What is Coverage D (Loss of Use)?

If a covered loss makes your home unlivable, Coverage D pays for hotel stays, rentals, and extra living costs while repairs happen. After a major hurricane, rebuild timelines in Florida can stretch months — this is the coverage that keeps your family housed.

What is Coverage E (Personal Liability)?

Coverage E protects you if someone is injured on your property or you accidentally damage someone else's property, covering legal defense and judgments. $300,000 is the common Florida baseline; umbrella policies stack above it.

What is Coverage F (Medical Payments)?

A small no-fault coverage (usually $1,000–$5,000) that pays minor medical bills for guests injured at your home, regardless of blame — often preventing small incidents from becoming liability claims.

How do hurricane and AOP deductibles work in Florida?

Florida policies carry two deductibles. The hurricane deductible applies only to named-hurricane damage and is a percentage of Coverage A — typically 2%, 5%, or 10%. The All Other Perils (AOP) deductible is a flat dollar amount ($1,000–$5,000) for everything else.

On a $400,000 home, a 2% hurricane deductible means $8,000 out of pocket after a hurricane; 10% means $40,000. It is the biggest premium lever you control.