Free tools and plain-English guides for Florida homeowners
Calculators and guides on insurance, hurricane deductibles, property taxes, and HOAs — written for Florida, not generic national averages.
Free calculators
Florida Mortgage Calculator
Monthly payment with property tax, homeowners insurance, HOA dues, flood and PMI.
Hurricane Deductible Calculator
See what a 2%, 5% or 10% hurricane deductible would cost you in dollars.
Florida Property Tax Calculator
Estimate your bill with the homestead exemption, and compare 2027-2028 scenarios.
Guides
Why Is Homeowners Insurance So Expensive in Florida?
What drives premiums and 8 practical ways to lower yours.
Florida Hurricane Deductible Explained
How percentage deductibles work, with dollar examples.
Florida Homestead Exemption Explained
Eligibility, deadlines, the Save Our Homes cap, and the 2026 Amendment 3 vote.
Can an HOA Fine You in Florida?
The notice, hearing, and dollar limits boards must follow.
Florida HOA Fees: What They Cover
Budgets, special assessments, reserves, and what to ask before you buy.
Florida Flood Insurance Basics
What it covers, the waiting period, and why homeowners insurance does not.
Wind Mitigation & Four-Point Inspections
Two inspections that can lower your premium or help you get covered.
How Citizens Property Insurance Works
Florida's insurer of last resort: who qualifies and what to know.
Florida Closing Costs Explained
Doc stamps, intangible tax, title insurance, and other costs buyers see.
After Hurricane Damage: Insurance Claim Steps
What to do first, deadlines, and how to avoid common mistakes.
How to Read Your Declarations Page
A line-by-line look at the one page that shows what your policy covers.
Condo vs. HOA in Florida
Ownership, dues, insurance, and risks compared side by side.