Obtaining Florida Home Owners Insurance can be a serious task. There are many variables that you must take into consideration when purchasing a policy for your home. Due to the high risk of weather damage in Florida, policies must be examined carefully and any extra insurance you may need should be purchased at that time. Hurricanes and flooding are a major problem in Florida. Areas such as Miami, Punta Gorda or Pensacola will have higher costing policies due to the fact they are generally in hurricane strike zones. Most policies cover basic disasters such as fire, wind damage, auto or plane accidents, lightning strikes and water damage from an inside source i.e.: pipe breaking and flooding interior. Most do not cover flood damage from an outside source. This is why in Florida, especially in the costal communities, you should consider adding a flood policy to your home owner’s policy. Due to the nature and unpredictability of hurricanes and tropical storms you can never have enough coverage to protect your most valuable asset. Condominiums are a large portion of residents in the Florida costal areas and it is recommended that they also have a home owner’s policy. While they will not be responsible for damages done to the exterior of their condo, they can have a policy put in place that will cover all the damages to the interior of their home. Obtaining home owner’s insurance for trailers is generally harder for the owner due to the ease at which a trailer can be damaged during stormy weather. There are programs available through the state of Florida for this specific type of insurance to assist the owner in obtaining coverage. There are many ways to save on high insurance premiums in Florida. You may consider a higher deductible for damages or going with a company that will combine policies such as home-car and life all in one package deal. Also it is advised that prior to purchasing a home you look into its proximity to fire stations and how close it is to areas hit by storms. Both of these options can affect your policy price. Home owners in costal towns such as Melbourne , Daytona Beach ,Panama City Beach or Tampa would be well advised to research into their policies before committing to purchase any specific one. You want to be well aware of your coverage and exclusions as well as out of pocket expenses prior to a storm.