Posts from December 1st, 2025

Insurance is part of the monthly cost equation, especially near the coast. In Florida, you'll encounter separate conversations around homeowners (wind) coverage and flood insurance. Lenders on a mortgage typically require both when the home is in a special flood hazard area; outside those zones, flood is still smart risk management.

Ways to improve insurability and cost: newer roof coverings, secondary water resistance, improved roof‑to‑wall connections, impact protection, and updated electrical and plumbing. A wind mitigation report can document credits your home may qualify for. If you're buying, ask for existing inspection reports and insurance declarations to estimate premiums.

Shop coverage early—well before you remove contingencies. Compare replacement‑cost estimates, hurricane deductibles, and any exclusions. Consider higher deductibles only if you have the emergency funds to back them up. If you're debating two similar homes, the one with a newer roof...

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