If you are planning a move in the near future, there is one item which is typically overlooked, but something that can have a BIG impact on you. That’s insurance.

Every state has individual insurance requirements, and it is important to note those differences if you are relocating. When choosing insurance, you need to keep in mind that where you are relocating to is just as important as what you need. Below are some state-specific differences to keep in mind.


Under Florida law, homeowners insurance extends through the dwelling, other structures on the land, personal property and into renters’ insurance. In Florida, they have to issue a lot of disclosures. For one, they have to issue an endorsement saying that any repair or replacement costs will include tear down and removal of what is already there. Instead of cash value, adjustments to what gets replaced versus the policy’s entire value can be limited to as little as 25 percent of total value. In many cases, total replacement can be blocked unless the damage exceeds 50 percent of the total cost to rebuild the building. Your insurance company is required to allow you to reject alternative coverage, but if you do not you will be bound by these requirements.

Home Insurance Coverages

Today, we do a quick review of the last 6 weeks of #whiteboardwednesday looking at all home insurance coverages "A" – "F".Contact us to discuss your insurance policies or to get a quote >> http://bit.ly/1V7bD3UThanks always to our sponsor and carrier partners at Olympus Homeowners Insurance Florida!

Posted by Pablo Beach Insurance Group on Wednesday, April 19, 2017


Georgia is notable in that it prohibits any mandatory arbitration clauses in insurance contracts. Another particular item about Georgia is if you suffer property damage and wish to file a claim, you need to do so immediately. Even a couple of months can be too long.

South Carolina

One peculiar aspect of South Carolinian insurance law is the fact that an insurance company can cancel your policy within 120 days for any reason, and if there is a non-payment there only needs to be a 30-day notice. If you are moving to South Carolina, you will have to select replacement cost instead of cash value if you want that in your policy. South Carolina also has difficulties securing a traditional policy if the home is older and is worth less than its rebuild cost, which requires a modified coverage form.


Since Hurricane Katrina, Mississippi has been much more strict on insurance companies on the disclosure front. Policies need to be open and direct about whether any given type of loss is covered under them. Mississippi is also among the strictest states about the company’s burden of proof regarding exclusions. However, a well-worded policy could still trip up an unwary person.


Under Louisiana law, you would most likely need special riders or additions to your policy in cases where you have a collection such as rare coins, valuable artwork or fine silverware. Interestingly enough, despite having median annual incomes just slightly above the national average, Louisiana’s homeowners insurance costs are the second highest in the country.


In Tennessee, homeowners policies often only cover personal property against specifically-named problems. As an example, if your waterbed leaks and causes damage, but “household appliance” is not listed in your policy, you may not be protected. Tennessee is very generous about policy cancellations, but something unusual to the state is that you could have my policy canceled if you were convicted of a crime or alter your property so that there is an unsafe condition present.

Every state in the southeast is unique in some way when it comes to homeowners insurance. You, as the buyer, should always stay informed whether you are a long-time resident of your state, or looking to relocate.

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