Most Central Florida homeowners set their insurance policy at closing and never look at it again. That’s a costly mistake — especially in Florida, where the insurance market has shifted dramatically and coverage that was adequate three years ago may leave you dangerously exposed today. October, as hurricane season winds down, is the ideal time for a policy checkup.

Why Florida Homeowners Insurance Has Changed

Florida’s insurance market has seen carrier exits, coverage restrictions, and premium increases that have reshaped what’s available — and affordable — for homeowners across the state. Many policies now include higher hurricane deductibles (often 2–5% of your home’s insured value), stricter roof age requirements, and reduced coverage for water backup and mold. If you haven’t reviewed your declarations page recently, you may not know what you’re actually covered for.

At QRE Insurance, we’re licensed specialists in Florida homeowners insurance with deep knowledge of the Central Florida market. We shop multiple carriers to find you the best combination of coverage and price. Call us at 407-476-6667 or reach out through our website for a no-obligation review.

What to Look for in Your Current Policy

Replacement Cost vs. Actual Cash Value: Replacement cost coverage pays to rebuild your home at current labor and material prices. Actual cash value subtracts depreciation. In today’s construction market, the gap between the two can be enormous — often $50,000 or more on a mid-sized home.

Roof Coverage: Many Florida carriers have moved to ACV (actual cash value) for roofs over 10–15 years old. If your roof is aging, you need to know this now — not after you file a claim.

Flood Insurance: Standard homeowners policies do NOT cover flooding. In Central Florida, flood risk exists even far from the coast. If you don’t have a separate NFIP or private flood policy, you’re exposed to a risk that can total your home.

Liability Limits: Standard policies often include $100,000 in liability — not nearly enough if someone is seriously injured on your property. An umbrella policy that extends this to $1 million or more is inexpensive and worth serious consideration.

The Inspection-Insurance Connection

Before your renewal, consider having a professional home inspection done by the team at QRE Inspections (321-222-3116). Carriers increasingly require 4-point inspections and wind mitigation reports — and a strong wind mitigation report can reduce your premium by hundreds of dollars per year. Schedule your inspection at our booking portal.

If you’re buying a home this fall, make sure insurance is part of your due diligence from day one. The real estate specialists at QRE Real Estate Services (407-476-6667) can connect you with our team early in the process. And if your review reveals needed upgrades, financing options are available through QRE Financing (407-476-6667).

Act Before Your Renewal Date

Don’t wait until your carrier sends the renewal notice to start shopping. Give yourself 60–90 days to compare options, request updated inspection reports, and make any property improvements that could affect your rate. The market rewards prepared homeowners.

Call QRE Insurance at 407-476-6667 today for a free policy review. We’ll tell you exactly where you stand and what your options are — no pressure, just expertise.