A Florida winter home is a dream for many — and a smart move done right. Here's what second-home and snowbird buyers should know before they buy.
Homestead vs. second home
Florida's homestead exemption applies only to your permanent residence. A second home doesn't get it — but if you later make Florida your primary home, the tax benefits (and no state income tax) can be substantial.
Insurance for a part-time home
A home that sits empty part of the year has different insurance needs. Tell your insurer it's a second home, and consider coverage and monitoring for the months you're away — especially in hurricane season.
Rent it while you're away?
Some snowbirds offset costs by renting when they're north — but short-term rental rules and HOA/condo restrictions vary widely by location. Confirm what's allowed before you buy if rental income matters.
Financing a second home
Second-home and investment loans differ from primary-residence financing (often a bit more down). We'll connect you with the right lender and help you choose a property that fits your seasonal lifestyle. Plan your Florida getaway →
Curious what your home is worth?
Free, no-obligation, and based on real local sales — not a national guess.
Get My Free Home Valuation →Frequently asked questions
Keep reading: How Much Does It Cost to Sell a House in Florida? · Florida Homestead Exemption: How to Lower Your Property Taxes · Buying a Beachside Home in Volusia County: What to Know · All insights →
About the author — Arthur Simpson
Arthur is a Florida attorney, licensed real estate broker, and Certified International Property Specialist (CIPS), and a member of the Real Property and International Law Sections of The Florida Bar. He founded Simpson & Simpson Realty to give Volusia & Flagler families — and buyers from around the world — a brokerage with a real estate attorney's eye on every deal. Meet Arthur & the family →