Depending on your policy, losses by fire, lightning, vandalism, theft and hurricane can be covered.
Sinkhole loss coverage might be also available, as well as flood coverage.
Flood is a major risk in Florida even if your home is not located in a flood zone. You might consider adding these endorsements, especially if you are close to any body water.
The deductible may vary according to the risk involved.
Be sure to pay close attention to the exclusions in your contract as certain policies exclude hurricanes and others exclude theft. Each insurer has their form so let us help you choose what’s right for you!