Owning a home in Florida comes with unique challenges—sunshine and ocean breezes mixed with storms, humidity, and shifting ground. While homeowners insurance provides important protection, many Floridians are surprised to learn that standard policies don’t cover everything. Understanding the most common exclusions can save you from unexpected financial stress down the road.

1. Mold Damage

Florida’s humid climate makes mold a common issue. Unfortunately, most standard homeowners policies either exclude mold damage altogether or offer very limited coverage.
What to do: Ask your insurer about mold endorsements or riders. Preventative maintenance—like running dehumidifiers and promptly addressing water leaks—can also reduce risk.

2. Flooding

Hurricane rains and storm surge are frequent in Florida, yet flooding isn’t covered by standard homeowners insurance. This is one of the most costly coverage gaps.
What to do: Purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or private carriers. Even if you’re outside a high-risk flood zone, it’s worth considering.

3. Sinkholes & Earth Movement

Florida is known for its limestone foundation, which makes certain areas prone to sinkholes. Most homeowners policies exclude earth movement—including sinkholes, earthquakes, and settling.
What to do: Florida law requires insurers to offer optional sinkhole coverage. Review your policy to see if you’ve opted in, and consider adding it if you’re in a vulnerable area.

4. Sewer & Drain Backup

Damage from backed-up sewers, drains, or sump pumps isn’t covered in a standard policy. This can result in thousands of dollars in cleanup and repair costs.
What to do: Add a sewer backup rider for additional protection. It’s often a low-cost add-on that covers big headaches.

5. High-Value Items

Standard policies cap reimbursement for jewelry, art, collectibles, and electronics. A storm or burglary could leave you underinsured.
What to do: Schedule high-value items separately with an endorsement or purchase a personal articles policy.

6. Gradual Wear & Tear

Insurance covers sudden, accidental damage—not long-term maintenance issues like old roofs, rusting pipes, or neglected repairs.
What to do: Keep up with regular maintenance. Many insurers also offer discounts for wind-mitigation upgrades and newer roofing.

Final Thoughts

Homeowners insurance is essential, but it’s not all-inclusive. Mold, flooding, sinkholes, sewer backups, and high-value belongings are often excluded unless you add coverage.

The best way to protect yourself? Review your policy annually with your insurance agent, ask questions about exclusions, and fill the gaps before you need to file a claim.