Do I need Flood Insurance?
Flood insurance coverage is not typically included in a regular homeowner policy. Wondering if you really need Flood insurance, and how to justify the extra expense? This article's for you.
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Insuring a home in Florida is tough, but we can help
At Armed Forces Insurance, we’re dedicated to keeping our members’ homes protected and secure. For over 135 years, we’ve been a trusted insurance adviser to families just like yours. We know finding coverage to protect your Florida home can be challenging. That’s why AFI has partnered with carriers who may be able to offer a product to meet your needs.
We listen to our members, and we’ll listen to you
We work hard to find the right policy and coverage for your home that best fits your needs and budget. Our top priority is helping you understand all your homeowner insurance options and choose the best protection for your family. We work hard so you don’t have to.
Not military? Not a problem!
Active-duty, veterans and their families are eligible for AFI membership. We also shop top carriers for anyone who wants great rates and service.
What does a homeowners insurance policy cover?
Dwelling & Other Structures
Dwelling coverage covers your house and other permanent structures on your property from damage caused by fire, severe weather, and other covered perils.
Personal Property
Personal property coverage helps pay to repair or replace furniture, clothing and uniforms, electronics, tools, and other belongings if they're destroyed in a covered loss.
Loss of Use
Coverage for necessary additional living expenses that you incur if your home is damaged by a covered loss requiring you to reside elsewhere during the repairs, up to your policy's limits.
Liability & Medical
Personal liability coverage helps protect your assets if you or your family members are liable for someone else's damage or injuries. Medical coverage covers medical expenses for guests who are accidentally injured at your home.
Homeowner insurance for your unique needs, from a company you can trust.
Our agents work to understand your unique needs so they can help you get the coverage that fits your life and home. Specifically, AFI agents can:
- Explain your home insurance coverage options
- Find discounts to save on your home insurance premium
- Help you understand the home claims process
Additional coverages with the military life in mind.
Homeowner insurance isn't a “one size fits all” policy. That's why you have an option to add additional coverages that allow you to customize your policy to your unique needs.
- Earthquake coverage
- Covers damage and loss caused by an earthquake.
- Flood coverage
- Homeowner policies exclude flood damage. Get flood coverage to protect yourself from one of the most common natural disasters in the U.S.
- Animal liability coverage
- Protects you in the event of damages or injuries caused by your dog or other pet that you own.
- Identity theft expense coverage
- Helps pay for expenses incurred resulting from identity fraud.
- Water backup and sump overflow coverage
- Covers additional causes of water damage including water that backs up through sewer or drains or overflows or is discharged from a sump pump.
- … and many more
- An AFI agent can help identify which coverages would benefit you.
Save more with discounts and credits.
Many credits and discounts may be available on your homeowner policy. These include:
- Central Station Burglar and Fire Alarm Discounts
- New Home Credit
- Gated or Guarded Community Discount
- Building Code Effectiveness Grading Credit
- Windstorm Mitigation Feature Credits
- New Roof Credit
- Companion Policy Credit
- Hurricane Mitigation Discounts
(available to Florida homeowner policyholders)
Get a free homeowner quote
Let us help you protect what matters most.
Get your free quote in minutes.
Homeowner Resources:
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Taking measures to avoid cooking fires and learning what can be done in the event one starts will keep your family and your home safer.
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Top 10 Garage Door Security Tips
Garage doors are a common weak point when looking at security in a whole-home approach and an easy target for thieves. Here are the 10 most important things you can do to secure your garage.
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Insurance products are provided by Armed Forces Insurance Exchange (AFIE), Armed Forces Insurance Agency (AFIA) and its affiliated partners. All policies and endorsements are subject to underwriting approval. Coverages, deductibles, limits, and discounts vary by state.