What homeowners insurance is required in Florida?

@sibyl 

In Florida, homeowners are not required by law to have homeowner's insurance. However, if you have a mortgage on your home, your lender may require you to have homeowners insurance to protect their investment. Additionally, if you live in a high-risk area for floods, your lender may also require you to have flood insurance. It is recommended that homeowners in Florida consider purchasing both homeowners insurance and flood insurance to protect their property and belongings from potential risks.