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Florida insurance presents unique challenges due to natural disasters like hurricanes and floods, making it one of the most expensive states for homeowner's insurance. This video explains why understanding your home insurance policy is crucial, especially when dealing with high real estate costs and HOA fees. We'll walk through how to get insurance quotes early and differentiate between general homeowner's insurance and specific insurance for floods. In this video, I break down 5 things every Florida buyer should understand in 2026: ✅ Why flood is the #1 gotcha (and often separate from homeowners) ✅ How litigation + fraud history got priced into premiums (and the red flags to watch for) ✅ The “boring” details that change quotes fast (roof + wind mitigation credits) ✅ Why condos can surprise buyers (master policy + assessments + deferred maintenance) ✅ Citizens, stabilization signs, and how to build a backup plan 📩 Want my Florida buyer checklist? Grab it here: https://joelpoulin.com/florida-homebu... 🤔Thinking of making a move? Schedule a strategy call here: https://calendly.com/joelpoulin-info/... Website: https://www.soldwithjoel.com/ 📱 Call or Text: 561-818-2441 📨 Email: info@joelpoulin.com To stay updated on new videos, you can subscribe here: 👉 / @soldwithjoel #FloridaRealEstate #MovingToFlorida #HomeInsurance #FloodInsurance #CitizensInsurance