Thinking about skipping home insurance to save money? It might not be worth the risk—especially in Florida. While sunny skies and palm trees are part of everyday life, so are hurricanes and rising insurance premiums. Homeowners face a tough choice: go without insurance, opt for minimal coverage, or find a solution that balances cost and protection.
In this blog, we break down the real financial risks of self-insuring in Florida and introduce how dwelling fire insurance, like ValueGuard Property Insurance™, can offer affordable, essential coverage.
Why Self-Insuring Your Property Is Risky
Self-insuring means setting aside your own money to cover potential losses, instead of paying for a traditional insurance policy. While it might seem cheaper upfront, this strategy comes with serious downsides.
Florida’s coastal location makes it especially vulnerable to hurricanes, windstorms, and flooding. If your home suffers damage and you’re self-insured, you’ll be on the hook for the full cost of repairs—expenses that can easily soar into the tens or even hundreds of thousands of dollars.
In short: self-insuring is not a realistic or safe option for most Florida homeowners.
The Smarter Option: Dwelling Fire Coverage
That’s where dwelling fire insurance comes in. Often referred to as “landlord insurance,” these policies are available to both rental and primary residences. They offer coverage for core perils such as:
- Windstorm
- Hail
- Fire
- Lightning
- Vandalism
Dwelling fire insurance provides a financial safety net without the high cost of a traditional homeowners policy. It’s a practical, budget-friendly way to secure your property while avoiding the high stakes of going uninsured.
Introducing ValueGuard Property Insurance™
ValueGuard Property Insurance™ from American Integrity Insurance is a dwelling fire policy designed specifically for Florida homeowners. It offers:
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Affordable premiums to help you stay protected on a budget
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Coverage for common risks, including fire and windstorms
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Flexible coverage options that fit your unique needs
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Dedicated customer support around the clock
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A simple, efficient claims process equipped to assist you throughout hurricane season and beyond
With ValueGuard, you don’t have to choose between protection and affordability.
Florida Property Insurance Can Be Affordable
Before deciding to self-insure, Florida homeowners should consider the long-term financial implications. While skipping insurance might save money today, it can leave you vulnerable to overwhelming costs in the future.
ValueGuard Property Insurance™ offers a balanced solution—affordable premiums, essential protection, and peace of mind.
Talk to an agent today about how ValueGuard can help you weather the storm—without breaking the bank.