Homeowners Insurance

Protect your home, belongings, and liability with coverage built around your property and lifestyle.

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What Homeowners Insurance Can Help With

Homeowners insurance helps protect your dwelling, personal property, and liability exposure. We’ll help you understand what’s included, what options make sense, and how to balance protection with cost.

Dwelling Coverage

Helps repair or rebuild your home after covered damage.

Personal Property

Helps replace belongings like furniture, electronics, and more.

Liability Protection

Helps if someone is injured on your property or you’re held responsible.

Loss of Use

Helps with temporary living expenses after a covered claim.

Good Fit For

  • Homeowners who want clear coverage and competitive pricing
  • New buyers who need coverage for closing
  • Families looking to protect valuables and liability exposure
  • Anyone reviewing rates, deductibles, or hurricane considerations

Quick Checklist

To get a fast quote, have this ready:

  • Property address
  • Year built + roof age (if known)
  • Square footage (approx.)
  • Current policy (if you have one)
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Questions?

We’ll walk you through coverage options in plain English.

Call (561) 421-3600

Helpful Note

Flood coverage is typically separate from a standard homeowners policy.

Explore Flood Insurance
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Local experts who understand Florida's insurance market.

Common Home Insurance Questions

Answers to what we hear most often.

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 2–5% 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 15–20 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.

Ready for a homeowners quote?

Get personally matched with coverage designed for your home and budget.

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