If you’re a homeowner in Florida, chances are your house is your biggest investment and protecting it matters. Homeowners insurance can feel confusing though. What’s covered? What’s not? How does it really work when something unexpected happens?
At Mulling Insurance, we hear these questions all the time from homeowners in Auburndale and beyond. Let’s break it down in plain language:
The Basics: What Homeowners Insurance is Designed to Do
A standard homeowners insurance policy is built to protect three main things:
-
Your home’s structure (the walls, roof, and built-in features)
-
Your personal belongings (furniture, clothing, electronics, and more)
-
Your financial protection if someone is injured on your property or you cause damage to someone else’s property
That protection applies when damage or loss happens due to specific events, often called covered perils.
Common Perils Homeowners Insurance Covers
Most homeowners policies include coverage for events such as:
-
Fire or lightning
-
Explosion
-
Damage caused by vehicles or aircraft
-
Smoke damage
-
Theft
-
Vandalism
So if a fire damages your kitchen, someone breaks in and steals valuables, or a car accidentally hits your garage, your policy is designed to help cover the repair or replacement costs.
Real-Life Questions We Hear Often
If a tree falls on your house, are you covered?
Often, yes, if the tree falls due to a covered event like a storm or lightning. Coverage can apply to both the damage to your home and sometimes the removal of the tree.
If someone slips and falls on your property, are you covered?
Homeowners insurance typically includes personal liability coverage, which can help if a guest is injured on your property and you’re found responsible. This can help cover medical bills or legal costs.
What about hurricanes in Florida?
This is where things get specific. While wind damage may be covered, hurricane and windstorm coverage can vary by policy, and flood damage is usually not included in a standard homeowners policy. That’s why reviewing your coverage—especially in Florida—is so important.
Why Customization Matters
Not all homeowners insurance policies are the same. Your home, location, and lifestyle all play a role in determining the right coverage. That’s why Mulling customizes homeowners insurance policies to help protect you from the many risks that come with owning a home in Florida.
Your home should feel like a safe place. If you’re unsure what your current policy covers or want a second look to make sure you’re properly protected, a local Mulling agent is always happy to help. Please note that coverage details can vary by policy, so be sure to review your individual policy documents to confirm what is specifically included.
Kevin Mulling, CIC | Vice President
As Vice President of Mulling Insurance, Kevin uses his decades of insurance industry experience and knowledge as a Certified Insurance Counselor (CIC) to help customers with their policies. He takes pride in leading his team and carrying forward the family business's strong commitment to community and family values.