Protect your biggest investment with comprehensive coverage designed for Florida's unique risks.
Florida's coastal location and severe weather patterns make homeowners insurance more complex than most states. We help you navigate these challenges.
Standard homeowners policies in Florida DO NOT cover flood damage. You'll need a separate flood insurance policy, which we can help you obtain.
Florida homeowners need specific hurricane coverage. We'll explain your wind deductible options and ensure you're properly protected during storm season.
Living near the coast? You'll face higher premiums and may need Citizens Property Insurance. We know the Tampa Bay market and can find you coverage.
Building costs in Florida are high and rising. We ensure your dwelling coverage keeps pace with reconstruction costs.
Covers the structure of your home if damaged by covered perils like fire, lightning, windstorm (with proper hurricane coverage), or theft.
Protects detached structures on your property: garages, sheds, fences, and pool enclosures (very common in Florida).
Covers your belongings inside the home. Consider additional coverage for high-value items like jewelry, art, or electronics.
Pays for temporary housing if your home becomes uninhabitable after a covered loss. Critical after major hurricanes.
Protects you if someone is injured on your property or you're found legally responsible for damage to others' property.
Covers medical expenses for guests injured on your property, regardless of fault. Usually $1,000-$5,000.
Required by most mortgage lenders in flood zones. Even if not required, consider it—Tampa Bay has significant flood risk.
Separate deductible (often 2-10% of dwelling coverage) that applies when a hurricane is declared. Understand yours.
After a loss, you may need to rebuild to current codes. Ordinance or Law coverage helps pay for this.
If only part of your roof is damaged, matching coverage helps replace the entire roof if materials can't be matched.
Florida is prone to sinkholes. While expensive, this coverage can be valuable depending on your location.
Florida homes often have pools. Ensure adequate liability coverage and consider umbrella insurance.
Florida faces unique risks: hurricanes, flooding, sinkholes, high humidity, and expensive rebuilding costs. Coastal properties pay even higher premiums due to hurricane exposure.
Replacement cost pays to rebuild/replace with new materials. Actual cash value deducts depreciation. Always choose replacement cost for dwelling coverage in Florida.
If you're in a flood zone with a mortgage, yes—it's required. But even outside flood zones, consider it. Tampa Bay has significant water-related risks, and flood claims aren't covered by standard homeowners policies.
Citizens is Florida's insurer of last resort. If you can't find coverage in the private market (common in coastal areas), Citizens provides coverage, though typically at higher rates.
Install hurricane shutters, impact-resistant windows/doors, new roof, security system, raise deductibles, bundle with auto insurance, and maintain good credit. We'll help identify available discounts.
An inspection that documents your home's wind-resistant features. Can result in significant premium discounts (often 20-40%). Highly recommended for Florida homeowners.
