What is the Difference Between Flood Insurance Florida and Homeowners Insurance?

May 10, 2022

Many people will view flood insurance Florida and homeowners insurance Tampa Florida as one and the same. After all, they both are aiming to keep your home and property safe in the event of an uncontrollable disaster. However, they are not the same, and treating them like they are can result in you not being covered and having to shoulder the cost of damages by yourself. If you’re considering a new flood insurance Florida, plan understanding the differences between these two types of insurance is essential.

When am I Covered?

The first and most important difference to understand about these insurances is when the insurance is actually applicable. Flood insurance is only used when there is water damage from flooding. Damage to your home’s foundation, plumbing, and electrical can all be covered and taken care of with flood insurance Florida. It also can cover personal items that are damaged if you have it worked into your plan with your insurer.

Homeowners insurance Tampa Florida protects your home and belongings from things such as robberies and break-ins. However, homeowners insurance generally goes a step further. You generally can find coverage from smoke, fire, lightning, tornados, falling trees, and more within your homeowner’s policy. In general, though, homeowners will not include flood damage. While it’s easy to group flood in with homeowners due to the tendency for homeowners insurance to cover natural disasters, due to the nature of the different insurances, doing so can result in you being on the hook for large repairs in your home.

What is covered?

Luckily, much of what is covered by the different policies is the same. The main difference lies in when you are covered. Your policy generally covers the structure of your home itself and your personal items up to a certain value which is determined by your insurance provider and your own personal policy. However, specifics and amounts on what is covered are variable, so contact your insurance provider and learn about your personal situation.

Flood Insurance Florida | HH Insurance

Given that floods can happen regardless of whether you reside in a high-risk zone, adding flood insurance to your current plan can help you to ensure that you are covered in case of any disaster. Visit the HH Insurance website today and start learning more about which flood insurance Florida is right for you.


**This blog provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverage. These definitions do not alter or modify the terms of any insurance contract.