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Because you live in Florida, you may find it more difficult to get home insurance than if you lived in another part of the country.

If you live in a coastal area, you should find out whether buying a standard homeowners insurance policy will cover you against all perils (especially hurricanes), or whether you'll have to take out a separate windstorm policy.

If you're having a lot of difficulty finding someone willing to insure you, Florida's Citizens Property Insurance Corporation should be able to help. Citizens was created during the 2002 legislative session to serve property insurance policyholders in the State of Florida who are unable to obtain coverage in the private marketplace. Applications for coverage can be made online at www.citizensfla.com or by contacting Citizen's customer support line at 888-685-1555.

Last updated: Dec. 7, 2009