Home Insurancedone the right way.
Protect your Florida home, inside and out.
What a Florida
homeowners policy covers.
Every situation is different. We build the policy around yours.
Dwelling Coverage
Rebuild or repair the structure of your home after a covered loss.
Wind & Hurricane
Protection against Florida's most common — and costliest — storm damage.
Personal Property
Furniture, electronics, jewelry and the belongings that fill your home.
Personal Liability
Coverage if someone is injured on your property or you're found at fault.
Other Structures
Fences, sheds, docks, screened enclosures and detached garages.
Loss of Use
Hotel, meals and living expenses while your home is being repaired.
What's usually not included in your insurance, but we can get you coverage.
Flood damage
Rising water and storm surge require a separate flood policy — we write those too.
Sinkhole collapse
Catastrophic ground cover collapse is limited; full sinkhole coverage is an endorsement.
Wear and tear
Maintenance issues, older roofs and gradual damage are excluded by every carrier.
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You choose with confidence
We walk you through options, deductibles and discounts.
Let's protect your home.
- Fast, free homeowners quotes
- Wind mitigation discounts applied
- Local advisors who know Florida
Get started with a free quote.
Home insurance questions.
Common questions about florida homeowners insurance policy
Is homeowners insurance required in Florida?
The state doesn't require it, but virtually every mortgage lender does. Even without a mortgage, going uninsured in Florida means shouldering hurricane, fire and liability losses entirely on your own.
Does my policy cover hurricane damage?
Wind damage from a hurricane is typically covered, subject to a separate hurricane deductible (usually 2%–5% of your dwelling limit). Flooding and storm surge are not — those need a flood policy.
How much does home insurance cost in Florida?
Most Florida homeowners pay roughly $2,400–$2,700 a year for an average-sized home, though location, roof age, construction and your deductible move that number a lot in both directions.
How can I lower my premium?
A wind mitigation inspection, a newer roof, impact windows, a monitored alarm, a higher deductible and bundling home and auto are the discounts that move the needle most.