Thinking About Buying a Home in Florida? Don’t Do It Until You Read This.

Avoid the costly mistakes most buyers make in Florida. Get the essential guide that explains insurance, flood zones, HOA rules, roof requirements, and everything you need to know before you buy.

What's Inside

  • Understand Florida insurance BEFORE falling in love with a house

  • Learn how flood zones affect your monthly costs

  • See the difference between HOA, condo, and non-HOA living

  • Know what systems insurers look at (roof, A/C, plumbing, electrical)

  • Get a checklist that makes home shopping stress-free

Watch This Video Before You Start House Hunting

In this 60-second video, Zac breaks down the biggest surprises buyers face when moving to Florida — and how to avoid them. Click the video to watch and get the complete guide.

What You’ll Learn in the Florida Home Buyer’s Guide

  • How Florida’s insurance market really works (and how to avoid overpaying)

  • Which flood zones require insurance—and which don’t

  • How roof age and A/C systems affect financing & insurance

  • What HOAs and condo associations cover (and the red flags to watch for)

  • The difference between new construction vs. resale in Florida

  • The REAL monthly carrying costs of homeownership here

  • The step-by-step Florida home buying process

  • A complete buying checklist you can use for every home

Buy With Confidence — Not Confusion

Buying in Florida isn’t like buying in other states. Insurance rules are different, hurricanes and flood zones matter, and the age of a roof can change your entire monthly payment.

This guide simplifies everything so you can shop smarter, avoid surprises, and feel 100% confident in your decision.

Whether you're relocating, retiring, or buying your first home, this resource gives you the clarity Florida buyers desperately need right now.

Meet Zac — Your Local Treasure Coast Expert

I’m Zac Coletti, a Broker Associate with eXp Realty here in Sebastian & Vero Beach.
I’ve helped hundreds of families relocate, downsize, invest, and buy their first Florida home.

My job is simple:
Give you the most honest, accurate, and up-to-date information so you can make the best decision for your future.

The Florida market is unique — and a knowledgeable local expert makes all the difference.

Before You Tour a Single Home, Read This Guide.

This is the exact resource I give to serious buyers who want clarity about insurance, flood zones, HOAs, new construction incentives, and what monthly costs really look like in Florida.

If you want to shop with confidence, this guide is your first step.