Florida’s sunny weather and laid-back lifestyle attract thousands of seasonal residents each year. Whether you’re a snowbird escaping the northern winters or someone with a second home on the Gulf Coast, owning a property in the Sunshine State comes with unique insurance considerations. At Anderson and Associates Insurance Group, we work with many part-time residents who are often surprised by the differences in Florida home insurance as opposed to their home state.
Here’s what you need to know to protect your Florida home—while you’re here, and when you’re not.
Standard Homeowners Insurance May Not Be Enough for Seasonal Residents
Florida homeowners’ insurance policies often exclude key perils like flood damage – and may have higher hurricane deductibles than policies in other states. Also, if your second home is unoccupied for weeks or months at a time, your insurance carrier may consider it higher risk — especially for claims related to theft, vandalism, and undetected water damage.
Important: Be sure to tell your insurance agent that the home is not your primary residence. You may need a special policy for seasonal or secondary homes.
Flood Insurance Is a Must — Even If You’re Not in a High-Risk Zone
Many snowbirds are surprised to learn that flood damage is NOT covered by standard homeowners’ insurance. And in Florida, flood risk isn’t just limited to waterfront properties. Heavy rains, storm surge, or even clogged drainage systems can cause serious flooding in low-lying areas—especially during hurricane season. Even if you’re not in a FEMA-designated flood zone, Palmetto and Manatee County may be vulnerable. Don’t skip this coverage, especially as it can be quite affordable when you are not in a designated “flood zone.”
Key point: Flood insurance is available through the National Flood Insurance Program (NFIP) and private insurers. Rates are based on risk level, elevation, and proximity to water.
Hurricane Season Requires Extra Protection
From June 1 to November 30, Florida faces the annual threat of hurricanes. Most homeowners’ insurance policies include a separate hurricane or windstorm deductible, typically ranging from 2% to 10% of your home’s insured value. This means if your home is insured for $400,000 and you have a 5% hurricane deductible; you’ll be responsible for the first $20,000 of storm-related damage.
Expert Recommendation: Review your policy annually—especially before hurricane season. And don’t forget to check your coverage for wind damage, which may be excluded in coastal areas unless added separately.
Remote Monitoring & Maintenance Matter to Seasonal Residents
Insurance companies often require evidence of property upkeep for second homes. Homes that sit vacant for long periods are more likely to suffer from undetected leaks or mold, burglary or vandalism and pest infestations. Many insurers now offer discounts if you install smart home monitoring systems (leak detectors, security cameras, thermostats) or contract with a local property manager to check on your home regularly.
Pro Tip: Document all upgrades and inspections. These may help in both lowering premiums and speeding up claims.
Bundle Policies Across States for Savings
If you own a primary home in another state and a second home in Florida, you may be able to bundle policies for savings. Some insurance providers operate nationally and offer multi-policy or multi-home discounts. At Anderson and Associates Insurance Group, we’re happy to help you to coordinate coverage with your out-of-state policies, ensuring seamless protection for all your properties.
Insurance Guidance for Seasonal Residents
Owning a Florida home—whether as a winter getaway or part-time escape—is a dream for many. But it’s important to remember that Florida’s climate and insurance regulations are unique. Between hurricanes, flooding, and vacancy risks, your second home deserves a well-tailored insurance strategy.
At Anderson and Associates Insurance Group in Palmetto, we specialize in helping snowbirds and seasonal residents protect what matters most. Whether you’re new to the area or have been coming down for years, we’re here to guide you through every step of the insurance process. Contact us today for a free policy review.
