HomeownersInsurance
Florida-specific homeowners coverage designed for hurricanes, wind, and more. Protect your biggest investment with the right policy at the right price.
Your Home, Fully Protected
Comprehensive homeowners insurance tailored to Florida's unique risks. From hurricane-force winds to liability protection, we've got you covered.
Dwelling Coverage
Protects the physical structure of your home including walls, roof, and built-in appliances. Covers repair or rebuild costs from covered perils.
Personal Property
Covers your belongings -- furniture, electronics, clothing, and more -- if they're damaged or stolen, even when away from home.
Liability Protection
Financial protection if someone is injured on your property or you accidentally damage someone else's property. Includes legal defense costs.
Loss of Use
Pays for temporary living expenses if your home becomes uninhabitable due to a covered event -- hotel, meals, and other additional costs.
Wind / Hurricane Coverage
Essential in Florida. Covers wind damage from hurricanes and tropical storms. Separate deductible applies -- we help you understand the math.
Built for the Sunshine State
Florida homeowners face unique challenges -- hurricanes, tropical storms, flooding, and sinkholes. Standard policies often exclude flood and wind, requiring separate coverage. We navigate these complexities so you get complete protection without overpaying.
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Homeowners Insurance FAQ
No. Standard homeowners insurance in Florida does NOT include flood coverage. Flood insurance is a separate policy, typically through the National Flood Insurance Program (NFIP) or private flood carriers. Given Florida's flood risk, we strongly recommend adding flood coverage to every homeowners policy.
Florida homeowners policies have a separate hurricane deductible, typically 2-5% of your dwelling coverage amount. For example, if your home is insured for $400,000 with a 2% hurricane deductible, you'd pay the first $8,000 of hurricane damage out of pocket. We help you choose the right deductible balance between premium savings and out-of-pocket risk.
Replacement cost pays to rebuild or replace your property at current prices with no deduction for depreciation. Actual cash value (ACV) factors in depreciation, meaning you receive less as items age. We recommend replacement cost coverage for both your dwelling and personal property to avoid being underinsured after a loss.
Protect Your Castle
Get a free homeowners insurance quote. We compare multiple carriers to find you the best coverage for Florida's unique risks.