There are a few things you need to know about Homeowners Insurance In Florida. First, all homeowners insurance policies in Florida must include at least $500,000 of personal liability coverage. This means that if someone is injured on your property and you are found liable, your policy will cover their damages up to $500,000. Additionally, Florida law requires all homeowners' policies to include hurricane damage coverage. This means that your policy will cover damages caused by a hurricane, even if they are not specifically named in your policy.