Coverage varies by policy, but homeowners insurance commonly includes dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others.

Generally, standard homeowners insurance does not cover flood damage. Flood insurance is typically purchased separately.

Coverage depends on the policy. Homeowners should review windstorm coverage, hurricane deductibles, exclusions, and applicable limits.

It is the deductible that may apply to covered damage caused by a named hurricane. Depending on the policy, it can be percentage-based.

It helps cover eligible belongings such as furniture, electronics, appliances, and clothing, subject to the policy's limits and conditions.

Certain valuable items may have special limits, and additional coverage may be available depending on the policy.

Additional Living Expense coverage may help pay certain additional costs while your home is being repaired or rebuilt, subject to the policy.

Policy terms vary. Florida DFS notes that life insurance policies generally have a grace period of at least 30 days for premium payments after the due date.

Some policies provide coverage for other structures, but the specific limits and covered structures depend on the policy.