It is important to consider all parts of your home that need coverage. Think about all of the structures on your property that are valuable even though they are not part of the house. Many homes in the area include pools, screened-in porches around the pools and sometimes even pool houses that may not be automatically covered in homeowners policies. Even houses without pools often include valuable assets such as fences, seating areas and other buildings for outdoor entertainment. The lush vegetation that thrives in the Florida climate sometimes requires larger homes to build outdoor facilities for lawn care. Older Florida homes often have detached garages or RV storage.