2025 Edition – What Florida and U.S. Homeowners Must Know

Homeowners insurance is evolving in 2025, especially in Florida, where new reforms and rising risks are reshaping what’s required and what’s wise. Here’s what every property owner should know about HO3 (“special form”) policies this year:

What Does an HO3 Policy Cover?

• The structure of your home (dwelling) against risks like fire, wind, hail, lightning, and theft
• Attached structures (garage, carport) and built-in appliances
• Personal property: furniture, electronics, clothing—covered for many perils (named exclusions apply)
• Personal liability: covers injuries or property damage to others, even away from home
• Additional living expenses: hotel, meals, or rent if your home is uninhabitable after a covered loss

What’s Typically Excluded?

• Flood damage (must be purchased separately—see new Florida flood requirements below)
• Earthquake, sinkhole, and sewer backup (optional add-ons in some states)
• Wear, neglect, mold, pest, and intentional damage
• Some high-value items (jewelry, art) above set limits—ask about scheduled coverage

2025 Florida-Specific Updates

• Mandatory Flood Insurance: As of 2025, Florida law requires many Citizens Property Insurance policyholders to carry separate flood insurance, even if not in a high-risk flood zone. By 2025, homes insured for over $500,000 must have flood coverage to maintain wind protection.
• Premiums & Deductibles: Rates remain high and deductibles for hurricanes/windstorms may be separate and higher than standard perils.
• Carrier Stability & Claims: New reforms aim to improve claims handling and reduce litigation, but policyholders should carefully review their carrier’s financial health and claim support.
• Replacement Cost vs. Actual Cash Value: Most HO3s insure your home at “replacement cost” (today’s rebuild price), but personal property may default to “actual cash value” (depreciated). Upgrade for full replacement coverage if possible.

How to Get the Best Protection in 2025

• Shop with independent agencies like TruvaLink Insurance Agency for broad carrier access and expert, unbiased guidance
• Review all exclusions and endorsements—don’t assume “all risk” means everything is covered
• Confirm your coverage limits reflect today’s rebuilding costs and personal property values
• Ask about discounts for wind mitigation, home security, and multi-policy bundling
• Always keep an updated home inventory for faster claims

Why Choose TruvaLink Insurance Agency?

• 120+ A-rated and specialty carriers, including coastal and high-risk options
• Same-day quotes, escrow-ready docs, and bilingual service (English/Spanish)
• Transparent, compliance-first advice—no overpromising, just facts

Ready to protect your investment with the right coverage for 2025?

Contact TruvaLink Insurance Agency at (813) 492-2535 | www.truvalinkinsurance.com

Homeowners insurance is evolving in 2025, especially in Florida, where new reforms and rising risks are reshaping what’s required and what’s wise. Here’s what every property owner should know about HO3 (“special form”) policies this year:

What Does an HO3 Policy Cover?

• The structure of your home (dwelling) against risks like fire, wind, hail, lightning, and theft
• Attached structures (garage, carport) and built-in appliances
• Personal property: furniture, electronics, clothing—covered for many perils (named exclusions apply)
• Personal liability: covers injuries or property damage to others, even away from home
• Additional living expenses: hotel, meals, or rent if your home is uninhabitable after a covered loss

What’s Typically Excluded?

• Flood damage (must be purchased separately—see new Florida flood requirements below)
• Earthquake, sinkhole, and sewer backup (optional add-ons in some states)
• Wear, neglect, mold, pest, and intentional damage
• Some high-value items (jewelry, art) above set limits—ask about scheduled coverage

2025 Florida-Specific Updates

• Mandatory Flood Insurance: As of 2025, Florida law requires many Citizens Property Insurance policyholders to carry separate flood insurance, even if not in a high-risk flood zone. By 2025, homes insured for over $500,000 must have flood coverage to maintain wind protection.
• Premiums & Deductibles: Rates remain high and deductibles for hurricanes/windstorms may be separate and higher than standard perils.
• Carrier Stability & Claims: New reforms aim to improve claims handling and reduce litigation, but policyholders should carefully review their carrier’s financial health and claim support.
• Replacement Cost vs. Actual Cash Value: Most HO3s insure your home at “replacement cost” (today’s rebuild price), but personal property may default to “actual cash value” (depreciated). Upgrade for full replacement coverage if possible.

How to Get the Best Protection in 2025

• Shop with independent agencies like TruvaLink Insurance Agency for broad carrier access and expert, unbiased guidance
• Review all exclusions and endorsements—don’t assume “all risk” means everything is covered
• Confirm your coverage limits reflect today’s rebuilding costs and personal property values
• Ask about discounts for wind mitigation, home security, and multi-policy bundling
• Always keep an updated home inventory for faster claims

Why Choose TruvaLink Insurance Agency?

• 120+ A-rated and specialty carriers, including coastal and high-risk options
• Same-day quotes, escrow-ready docs, and bilingual service (English/Spanish)
• Transparent, compliance-first advice—no overpromising, just facts

Ready to protect your investment with the right coverage for 2025?

Contact TruvaLink Insurance Agency at (813) 492-2535 | www.truvalinkinsurance.com