# Do i need renters insurance: Home Insurance Requirements

> The Home Insurance Requirements carries 2 published figures read from 5 sources' own pages, from 5 to 25 percent, read 26 September 2026.

HomeCover HQ · https://homecoverhq.com/datasets/home-insurance-requirements/ · computed 2026-09-26

**Median of the published figures:** 15 % (range 5 to 25 %; 2 sources with a figure; 5 of 12 sources read publish one).

5 of the 12 named sources read in full publish a figure; 7 publish none, read 26 September 2026.

The median is unchanged since 25 September 2026 (was 15 percent across 2).

## By obligation

| Breakdown | Median | Range | Sources |
|---|---|---|---|
| obligation Fannie Mae maximum property insurance deductible | 5 % | 5 to 5 % | 1 |
| obligation Florida wind mitigation inspector training | 3 hour | 3 to 3 hour | 1 |
| obligation Florida law and ordinance coverage offer | 25 % | 25 to 25 % | 1 |
| obligation Florida notice of replacement-cost coverage availability | 3 year | 3 to 3 year | 1 |
| obligation Florida sinkhole claim window | 2 year | 2 to 2 year | 1 |
| obligation Florida mediation bar after notice of loss | 90 day | 90 to 90 day | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [Florida Statutes 627.7015 (alternative claim dispute resolution)](https://www.flsenate.gov/Laws/Statutes/2025/627.7015) | 90 day | Florida mediation bar after notice of loss | 2026-09-19 |
| [Florida Statutes 627.7011 (replacement cost and law-and-ordinance)](https://www.flsenate.gov/Laws/Statutes/2025/627.7011) | 25 % | Florida law and ordinance coverage offer | 2026-09-19 |
| [Fannie Mae Selling Guide B7-3-02: property insurance requirements for one- to four-unit properties](https://selling-guide.fanniemae.com/sel/b7-3-02/property-insurance-requirements-one-four-unit-properties) | 5 % | Fannie Mae maximum property insurance deductible | 2026-09-19 |
| [Florida Statutes 627.711 (uniform mitigation verification inspection)](https://www.flsenate.gov/Laws/Statutes/2025/627.711) | 3 hour | Florida wind mitigation inspector training | 2026-09-19 |
| [Florida Statutes 627.7011 (replacement cost and law-and-ordinance)](https://www.flsenate.gov/Laws/Statutes/2025/627.7011) | 3 year | Florida notice of replacement-cost coverage availability | 2026-09-19 |
| [Florida Statutes 627.706 (sinkhole coverage)](https://www.flsenate.gov/Laws/Statutes/2025/627.706) | 2 year | Florida sinkhole claim window | 2026-09-19 |

## The sentence each figure was read from (6)

- [Florida Statutes 627.7015 (alternative claim dispute resolution)](https://www.flsenate.gov/Laws/Statutes/2025/627.7015), read 2026-09-19: "within 90 days after notice of the loss, the insurer may not require mediation under this section."
- [Florida Statutes 627.7011 (replacement cost and law-and-ordinance)](https://www.flsenate.gov/Laws/Statutes/2025/627.7011), read 2026-09-19: "This subsection does not prohibit the offer of a guaranteed replacement cost policy. (2) Unless the insurer obtains the policyholder’s written refusal of the policies or endorsements specified in subsection (1), any policy covering the dwelling is deemed to include the law and ordinance coverage limited to 25 percent of the dwelling limit."
- [Fannie Mae Selling Guide B7-3-02: property insurance requirements for one- to four-unit properties](https://selling-guide.fanniemae.com/sel/b7-3-02/property-insurance-requirements-one-four-unit-properties), read 2026-09-19: "If the property insurance policy includes separate deductibles for different required perils, such as windstorm or wildfire, each individual deductible must not exceed 5% of the property insurance coverage amount."
- [Florida Statutes 627.711 (uniform mitigation verification inspection)](https://www.flsenate.gov/Laws/Statutes/2025/627.711), read 2026-09-19: "A home inspector licensed under s. 468.8314 who has completed at least 3 hours of hurricane mitigation training approved by the Construction Industry Licensing Board which includes hurricane mitigation techniques and compliance with the uniform mitigation verification form and completion of a proficiency exam;"
- [Florida Statutes 627.7011 (replacement cost and law-and-ordinance)](https://www.flsenate.gov/Laws/Statutes/2025/627.7011), read 2026-09-19: "The insurer must provide the policyholder with notice of the availability of such coverage in a form approved by the office at least once every 3 years."
- [Florida Statutes 627.706 (sinkhole coverage)](https://www.flsenate.gov/Laws/Statutes/2025/627.706), read 2026-09-19: "(5) Any claim, including, but not limited to, initial, supplemental, and reopened claims under an insurance policy that provides sinkhole coverage is barred unless notice of the claim was given to the insurer in accordance with the terms of the policy within 2 years after the policyholder knew or reasonably should have known about the sinkhole loss."

## Read in full, publishes no figure

- [CFPB: what is homeowners insurance and why is it required](https://www.consumerfinance.gov/ask-cfpb/what-is-homeowners-insurance-why-is-homeowners-insurance-required-en-160/), read 2026-09-12: read in full and no accepted figure on the page
- [Fannie Mae Selling Guide B7-3-01: general property insurance requirements](https://selling-guide.fanniemae.com/sel/b7-3-01/general-property-insurance-requirements-all-property-types), read 2026-09-19: every candidate on the page was refused
- [Fannie Mae Servicing Guide B-2-02: property insurance requirements](https://servicing-guide.fanniemae.com/svc/b-2-02/property-insurance-requirements-one-four-unit-properties), read 2026-09-12: read in full and no accepted figure on the page
- [California Department of Insurance: residential earthquake insurance](https://www.insurance.ca.gov/01-consumers/105-type/5-residential/eq/), read 2026-09-12: read in full and no accepted figure on the page
- [HUD manufactured housing homeowner resources](https://www.hud.gov/hud-partners/manufactured-home-resources), read 2026-09-19: read in full and no accepted figure on the page
- [NY DFS homeowners insurance basic coverage](https://www.dfs.ny.gov/consumers/help_for_homeowners/insurance/basic_coverage), read 2026-09-19: read in full and no accepted figure on the page
- [the obligation per jurisdiction](https://www.consumerfinance.gov/ask-cfpb/what-is-homeowners-insurance-why-is-homeowners-insurance-required-en-160/), read 2026-09-12: read in full and no accepted figure on the page

## Methodology

Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 5 of the 12 named sources that could be read published a usable figure; 7 published none and are recorded as not published, never filled in; 1 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 8 candidate sentence(s) were refused by a reviewer with the reason recorded. Derivation as chartered: one row per obligation per jurisdiction: what the statute or the lender rule actually requires (the coverage basis, the minimum amount, the maximum deductible, the notice period), quoted verbatim with its effective date and its citation. The derived figure is the comparison across the three sources of obligation that never appear together - no state requires homeowners insurance by statute, every conforming mortgage requires it by contract at a defined minimum, and the state statutes govern only what the insurer may then do (inspection, non-renewal notice, claim mediation) - plus the count of states that cap a deductible or mandate a notice period, and what changed since the last read.

## Sources

- [CFPB: what is homeowners insurance and why is it required](https://www.consumerfinance.gov/ask-cfpb/what-is-homeowners-insurance-why-is-homeowners-insurance-required-en-160/) (the publisher's own terms; quoted for reporting and comment)
- [Fannie Mae Selling Guide B7-3-02: property insurance requirements for one- to four-unit properties](https://selling-guide.fanniemae.com/sel/b7-3-02/property-insurance-requirements-one-four-unit-properties) (the publisher's own terms; quoted for reporting and comment)
- [Fannie Mae Selling Guide B7-3-01: general property insurance requirements](https://selling-guide.fanniemae.com/sel/b7-3-01/general-property-insurance-requirements-all-property-types) (the publisher's own terms; quoted for reporting and comment)
- [Fannie Mae Servicing Guide B-2-02: property insurance requirements](https://servicing-guide.fanniemae.com/svc/b-2-02/property-insurance-requirements-one-four-unit-properties) (the publisher's own terms; quoted for reporting and comment)
- [Florida Statutes 627.711 (uniform mitigation verification inspection)](https://www.flsenate.gov/Laws/Statutes/2025/627.711) (the publisher's own terms; quoted for reporting and comment)
- [Florida Statutes 627.7011 (replacement cost and law-and-ordinance)](https://www.flsenate.gov/Laws/Statutes/2025/627.7011) (the publisher's own terms; quoted for reporting and comment)
- [Florida Statutes 627.706 (sinkhole coverage)](https://www.flsenate.gov/Laws/Statutes/2025/627.706) (the publisher's own terms; quoted for reporting and comment)
- [Florida Statutes 627.7015 (alternative claim dispute resolution)](https://www.flsenate.gov/Laws/Statutes/2025/627.7015) (the publisher's own terms; quoted for reporting and comment)
- [California Department of Insurance: residential earthquake insurance](https://www.insurance.ca.gov/01-consumers/105-type/5-residential/eq/) (the publisher's own terms; quoted for reporting and comment)
- [HUD manufactured housing homeowner resources](https://www.hud.gov/hud-partners/manufactured-home-resources) (the publisher's own terms; quoted for reporting and comment)
- [NY DFS homeowners insurance basic coverage](https://www.dfs.ny.gov/consumers/help_for_homeowners/insurance/basic_coverage) (the publisher's own terms; quoted for reporting and comment)
- [FSRA (Ontario) property and other insurance](https://www.fsrao.ca/consumers/property-and-other-insurance) (the publisher's own terms; quoted for reporting and comment)
- [the obligation per jurisdiction](https://www.consumerfinance.gov/ask-cfpb/what-is-homeowners-insurance-why-is-homeowners-insurance-required-en-160/) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- The Home Insurance Requirements carries 2 published figures read from 5 sources' own pages, from 5 to 25 percent, read 26 September 2026.
- 5 of the 12 named sources read in full publish a figure; 7 publish none, read 26 September 2026.
- Home Insurance Requirements, obligation Fannie Mae maximum property insurance deductible: median 5 percent across 1 source, read 26 September 2026.
- Home Insurance Requirements, obligation Florida wind mitigation inspector training: median 3 hour across 1 source, read 26 September 2026.
- Home Insurance Requirements, obligation Florida law and ordinance coverage offer: median 25 percent across 1 source, read 26 September 2026.
- Home Insurance Requirements, obligation Florida notice of replacement-cost coverage availability: median 3 year across 1 source, read 26 September 2026.
- Home Insurance Requirements, obligation Florida sinkhole claim window: median 2 year across 1 source, read 26 September 2026.
- Home Insurance Requirements, obligation Florida mediation bar after notice of loss: median 90 day across 1 source, read 26 September 2026.
- The median is unchanged since 25 September 2026 (was 15 percent across 2).

Cite as: "HomeCover HQ Home Insurance Requirements", updated 2026-09-26, https://homecoverhq.com/datasets/home-insurance-requirements/.

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