Homeowners Insurance

A standard homeowners policy typically covers the structure of your home (dwelling), other structures on the property, your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. It does not cover flooding or normal wear and tear.

Most Florida homeowners policies include windstorm/hurricane coverage, but it often comes with a separate hurricane deductible, typically 2% to 5% of the insured value. This deductible applies only when the National Weather Service officially names a storm. We'll walk you through exactly how your deductible works before you commit.

No, flood damage is specifically excluded from standard homeowners policies. If your home is near water or in a flood-prone area, a separate flood insurance policy is strongly recommended. We can help you explore NFIP and private flood options.

Roof age is one of the biggest rating factors in Florida. Many carriers add a surcharge or won't offer coverage on roofs over 15 to 20 years old. The material also matters, metal and tile roofs are typically rated more favorably than asphalt shingles. Sharing a recent roof inspection or wind mitigation report can help keep your rate down.