Homeowners Insurance
Start your quoteHomeowners insurance protects your house, its contents, and you financially if someone is injured on your property. In Florida, that protection has to account for hurricane winds, flooding, and an insurance market that’s more volatile than most of the country. We write homeowners policies for houses and condos across Florida.
What's covered
Tap any item to see what it means in plain language.
Dwelling
The structure of your home itself, from the roof to the foundation. This is the core of the policy, and the limit should reflect what it would cost to rebuild, not what you paid for the house.
Other structures
Things on your property that aren't attached to the house, like a detached garage, fence, or shed.
Personal property
Your belongings inside the home, like furniture, electronics, and clothing, whether they're damaged in a covered loss or stolen.
Loss of use
If a covered loss makes your home unlivable, this pays for temporary housing and extra living expenses while repairs happen.
Personal liability
If a guest is injured on your property and you're found responsible, this covers the claim and your legal defense.
Wind and hail
Coverage for hurricane and storm wind damage. In Florida, this is often the single largest factor in what you pay, and it usually carries its own separate deductible.
What's not covered
Flood
Rising water is never covered by a standard homeowners policy. Flood protection is a separate policy, through the NFIP or a private carrier, and we can quote it alongside your homeowners coverage.
Maintenance issues
A roof that's been slowly leaking for months, or damage you knew about and didn't fix, is a maintenance problem, not a claim.
Sinkholes and earth movement
Standard policies cover catastrophic ground collapse only in narrow situations. Broader sinkhole coverage is an endorsement you add, which matters in parts of Florida.
High-value items above standard limits
Jewelry, art, and collectibles are covered only up to modest built-in limits. Anything valuable should be scheduled separately so it's covered at its real value.
Good to know in Florida
- Wind mitigation matters here. Impact windows, a newer roof, and a documented wind mitigation inspection can meaningfully change what carriers offer and how they price it.
- Roof age is one of the first things a Florida carrier asks about, because roof condition drives both storm claims and underwriting decisions.
- Flood coverage is always separate from homeowners. If you're near a flood zone, or just want the protection, it needs to be arranged on its own policy.
How our quoting works
We shop it around
We ask about your home's age, roof, construction, and any wind mitigation features, then shop your coverage across carriers that are actively writing new Florida homeowners business, which not every carrier is doing right now. If you bought your home recently, we can usually work from your closing documents to speed this up.
Helpful to have handy
- The property address
- Roof age, or the year it was last replaced
- A wind mitigation inspection report, if you have one
- A 4-point inspection, usually needed for older homes
- Your current declarations page, or closing documents if you just bought
Don't have all of it? Start anyway. We'll work with what you have.
Frequently asked questions
Does homeowners insurance cover flood damage in Florida?
No. Standard homeowners policies exclude flood damage. Flood coverage requires a separate policy, typically through the National Flood Insurance Program or a private flood carrier.
What is a wind mitigation inspection and does it lower my rate?
A wind mitigation inspection documents features like impact windows, roof-to-wall connections, and roof shape that reduce hurricane damage risk. Carriers commonly offer credits for these features, so it's worth having one done, especially on an older home.
Why do carriers ask about my roof's age?
Roof age and condition are one of the biggest factors in Florida homeowners underwriting, since roof damage drives most storm claims. Many carriers limit or decline coverage for roofs beyond a certain age unless a recent inspection shows they're in good condition.
Do I need a different policy for a condo than a single-family home?
Yes, condo owners typically need an HO-6 policy, which covers the interior of your unit and belongings, since the condo association's master policy usually covers the building structure and common areas.