Homeowners insurance provides financial protection against disasters, theft, and liability. A standard policy insures the home itself and the things you keep in it, plus your responsibility to others. We help Florida homeowners build policies that actually pay out when it matters.
A Florida homeowners policy is built from several distinct coverages that work together. Most homeowners only learn the difference between dwelling, personal property, and liability after a claim. Our job is to walk you through each piece up front, so you know exactly what's protected and where the gaps sit.
In Florida, hurricane and wind coverage is included in most standard policies, but flood damage is not. About 25% of all flood claims come from moderate-to-low risk zones, so we strongly recommend a separate flood policy in addition to your homeowners coverage. We'll help you navigate these nuances and avoid the common gaps.
Florida's homeowners insurance market is unique. Carriers enter and exit constantly, and a captive agent at one big-name insurer can only quote you their single product. We shop 15+ admitted carriers and surplus lines markets per quote, including specialty options for older roofs, coastal properties, and homes with prior claims. Premiums for the exact same dwelling can vary by thousands per year. We find the gap.
Wind damage from hurricanes is typically covered under a standard Florida homeowners policy, but it comes with a separate hurricane deductible (often 2% to 5% of your dwelling limit, not a flat dollar amount). Flood damage from storm surge or rising water is NOT covered, and requires a separate flood policy. We always recommend both for Florida homeowners.
Dwelling coverage should reflect the full replacement cost of your home, not its market value or purchase price. Replacement cost is what it would take to rebuild from the ground up at today's labor and material rates. Construction costs in Florida have risen sharply, so policies even three years old may now be underinsured. We review this on every quote.
Roof age is one of the single biggest factors in Florida homeowners insurance. Many carriers won't write a policy on a roof older than 15 to 20 years, and some require recent wind mitigation inspections. We work with carriers that consider older roofs and can guide you on when a roof replacement may pay for itself in premium savings.
Standard policies cap coverage on jewelry, firearms, art, and collectibles (often $1,500 to $2,500 total). For higher-value items, you'll need a scheduled personal property endorsement that lists each item individually. We help clients document and schedule valuables so a single loss doesn't blow through the standard cap.
Yes. We work with specialty and surplus lines markets that write coverage for older homes, homes with prior water or wind claims, and properties other carriers decline. The premium may be higher, but coverage is available. Don't assume you're uninsurable based on one rejection.
Free, no obligation, 15+ Florida carriers compared. Hablamos Español.
