The intersection of residential areas with natural habitats introduces distinct challenges and hazards in Florida .
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Encounters with alligators, snakes, bears, and various wildlife are frequent, particularly in suburban regions adjacent to wetlands or forests. Although many homeowners implement safety measures, unforeseen interactions—such as an alligator entering a backyard—can lead to significant safety issues. In addition to physical threats, wildlife can inflict property damage, ranging from raccoons damaging attics to deer colliding with cars. In these areas, obtaining appropriate insurance coverage is essential, as homeowners insurance may provide protection.