In Florida, do you have to have a survey of your home to get homeowners insurance?
It is not mandatory to have a survey completed on your home in Florida to secure homeowners insurance. However, it may be a good idea to have such a survey completed to ensure that you are fully insuring your property. A survey of your property will help you ascertain the proper replacement value of your home, which is one of the most important figures when insuring your home.
If you recently purchased your home, you will likely have a current survey completed during the sales process. This survey is used by the lender and title insurance companies and can be used to help with your homeowners insurance. The more information you have about the construction of your home and the materials and cost involved, the better your insurance company is able to underwrite and set the premium for your homeowners insurance.