Florida Homeowner Checklist: 12 Things to Do After Buying a House
Welcome Home, Florida Homeowner!
Just bought a home in the Sunshine State? Congratulations! 🎉
This Florida homeowner checklist covers the 12 most important things to do after buying a house — from protecting your property to keeping your home running smoothly for years to come.
1. Change Your Locks and Secure the Property
Even if you received every key at closing, rekeying or replacing locks ensures full security.
✅ Update smart locks, garage codes, and gate access while you’re at it.
2. Locate Your Main Water Shutoff Valve and Breaker Box
Every Florida homeowner should know where these are — they can prevent costly damage during storms or maintenance emergencies.
Label switches clearly so future repairs are quick and safe.
3. Set Up Utilities and Local Services
Make sure utilities start the day you move in:
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Electric
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Water/Sewer
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Trash & Recycling
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Internet
If you’re in Central Florida, you can start with your city’s online portal (Orlando/Tampa).
4. Apply for the Florida Homestead Exemption
If your new home is your primary residence, this step can save you thousands on property taxes.
Apply through your county property appraiser’s website by March 1.
5. Update Your Mailing Address Everywhere
Submit a change of address at USPS.com.
Then update it with:
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Driver’s license & voter registration
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Banks & insurance providers
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Online subscriptions
6. Review Your Homeowners Insurance Coverage
After buying a house in Florida, make sure your policy covers hurricane and flood risks.
Check for:
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Flood insurance (not included in standard policies)
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Windstorm or roof coverage
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Personal property protection
7. Test Safety Devices
Replace smoke detector batteries, check carbon monoxide alarms, and inspect fire extinguishers.
For extra protection, install a natural gas detector if your home uses gas lines.
8. Deep Clean and Replace Filters
A full clean helps you start fresh. Focus on vents, fans, and flooring — Florida humidity means extra dust and moisture.
Change HVAC filters and schedule a maintenance check with a trusted local HVAC company.
9. Learn How Your Home Works
Keep a binder or folder for manuals, warranties, and repair contacts.
Know where your A/C drain line is, how your irrigation system runs, and what year your roof was installed — all key parts of being a proactive Florida homeowner.
10. Create a Seasonal Home Maintenance Plan
Maintenance matters more in Florida’s climate.
Set quarterly reminders for:
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A/C filter changes
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Roof & gutter inspections
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Pool service
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Pest control
Use a digital calendar or app to stay consistent year-round.
11. Budget for Repairs and Upkeep
Experts recommend saving 1–2% of your home’s value per year for maintenance.
This helps handle common Florida costs like pest treatment, roof inspections, or storm prep supplies without stress.
12. Get Involved in Your Community
Meet your neighbors, explore local small businesses, and join community Facebook groups.
It’s the best way to discover events, service providers, and resources near you.
Bonus: Keep a “Homeowner Hub”
Store your inspection report, closing docs, receipts, and improvement photos in a cloud folder or binder labeled Florida Homeowner Checklist for easy access during tax time or resale.
Final Thoughts
Owning a home in Florida is exciting, but it comes with responsibilities that protect your investment and give you peace of mind.
Following this homeowner checklist will help you stay organized, save money, and settle in confidently.
When you’re ready for your next move — whether it’s a second home, an upgrade, or an investment — The Nickley Group is here to help you move confidently through every stage of homeownership.