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A canine liability exclusion, a component of homeowner's insurance policies, indemnifies the insurance company against damages caused by the policyholder's dogs. Sinkholes are also a danger to Florida homes. Avg. premium for $k dwelling coverage $ 5, /yr Best home insurance in Florida. In Texas and Washington home insurance is underwritten by Travelers Personal Insurance Company. home, these 10 tips can help. Woman working at her home.