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Homeowners insurance helps pay to repair or rebuild your
home and replace personal possessions lost due to theft,
fire or other disasters such as storms.
Although Florida law does not require homeowners insurance, some
cities and counties require liability coverage if you own
certain pets or a swimming pool. Liability coverage pays for
non-automobile-related injuries to other people, or damage
to their property, for which you are legally responsible.
For mortgaged homes, the lending institution will require full
insurance coverage on the structure, including flood (if
located in a special zone), fire, liability, windstorm, etc.
Some developments and subdivisions may also require
insurance.
The following overview explains the basic types of coverage
available and provides tips for homeowners and renters.
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