What your Florida home really costs, in plain English
Free calculators and guides for insurance, hurricane deductibles, property taxes and HOAs. Written for Florida rules, not national averages.
Insurance and storms
- Why Is Homeowners Insurance So Expensive in Florida?What drives premiums and 8 practical ways to lower yours.
- Florida Hurricane Deductible ExplainedHow percentage deductibles work, with dollar examples.
- Florida Flood Insurance BasicsWhat it covers, the waiting period, and why homeowners insurance does not.
- Wind Mitigation & Four-Point InspectionsTwo inspections that can lower your premium or help you get covered.
- How Citizens Property Insurance WorksFlorida's insurer of last resort: who qualifies and what to know.
- After Hurricane Damage: Insurance Claim StepsWhat to do first, deadlines, and how to avoid common mistakes.
- How to Read Your Declarations PageA line-by-line look at the one page that shows what your policy covers.
Taxes and buying
- Florida Homestead Exemption ExplainedEligibility, deadlines, the Save Our Homes cap, and the 2026 Amendment 3 vote.
- Florida Closing Costs ExplainedDoc stamps, intangible tax, title insurance, and other costs buyers see.
HOAs and condos
Florida laws, rates, and exemptions change. Always confirm figures with your county property appraiser, your insurance agent, or a Florida attorney before making a decision.