5 Things Every Out-of-State Buyer Should Know Before Moving to Florida

Moving to Florida isn’t just a change of address — it’s a lifestyle upgrade. Sunshine, year-round warmth, beach mornings, golf-course afternoons… it’s no surprise that people from all over the country are trading snowy winters and high taxes for life under the palm trees.

But if you’re relocating from out of state, there are a few things you’ll want to know before you make the move. As someone who works closely with buyers making the transition every day, here are the top five things I wish everyone knew from the start.

1. Insurance Works Differently Here (and Yes, You Should Ask Early)

Home insurance in Florida is unique because of our weather. Rates depend heavily on roof age, flood zone type, elevation, and the property’s wind protection features.

Tip: Ask your agent to run an insurance estimate on any home you’re considering. Knowing this upfront helps you avoid surprises and choose a home with strong protective features — like impact windows, newer roofs, and hurricane shutters — that often lower costs.

2. Flood Zones Aren’t Scary — They’re Just Something to Understand

Not all flood zones are created equal. Many inland communities in Estero, Fort Myers, and Bonita Springs are in low-risk zones, while waterfront areas may require additional coverage.

The key is clarity:

• Know your zone

• Understand what’s required

• Learn what’s optional

A good local agent will pull this for you immediately and help you compare homes with confidence.

3. HOA Communities Are Extremely Common — and Often a Huge Perk

Most homes in Southwest Florida are part of an HOA or gated community. Instead of seeing this as a downside, think of it as added value.

HOAs often include:

• Landscaping

• Resort-style amenities

• Gated security

• Social events

• Community maintenance

The result? A clean, beautiful neighborhood that feels like vacation every day. The key is to choose a community that fits your lifestyle — quiet and serene, or active and amenity-rich.

4. Buying From Out of State Is Easier Than You Think

Virtual tours, FaceTime walk-throughs, and digital contracts mean you can confidently buy a home without being physically here. I work with dozens of clients each year who purchase from out of state — and the process is seamless when you have a local expert guiding you.

From inspections to insurance and closing, everything can be handled remotely.

5. Florida Life Is a Lifestyle — Not Just a Location

The best part of moving here isn’t the palm trees or the sunshine — it’s the way life feels slower, lighter, and more enjoyable. People spend more time outdoors. There’s always something to do. And suddenly, you’re living the life you used to dream about on vacation.

If you're planning a move to Southwest Florida, I’d love to help you find the right community and make your transition feel effortless.