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Save on home insurance, with a customized policy.
Your home is unique. That's why at Florida home owner insurance, you can customize your coverages to get the best homeowners insurance for your home at an affordable price.
Start your home insurance quote today to see how much you could save when you only pay for what you need!
- Customized homeowners insurance
- Home insurance discounts
- We've been helping insure the things you love for over 100 years!
- We'll help you find the homeowners insurance discounts you qualify for.
- You can save when you only pay for what you need.
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By adding your lender, combine your home and insurance into a single payment - instantly.
What does homeowners insurance cover in Florida?
Rest easy knowing your coverage protects what matters most.
Personal Property Replacement Cost Coverage
additional coverage that helps protect personal property from being destroyed or stolen under the provided coverage terms of your policy.
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We also offer additional coverage options for water backup, fungi and mold, animal liability, identity fraud, and more.
How We Why you'll love Florida home owner insurance
From small claims to disasters, we're here to help you recover quickly.
1
Here to help
We reach out before and after major weather events to make sure you're okay — and to assist if you need to file a claim.
2
24/7 claims support
Easily file a claim over the phone with a member of our support team or online through our Customer Portal.
Get affordable home insurance in 3 simple steps
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Stay Ahead With Our Articles
11/02/24
Frequently Asked Questions.
Why It Matters:
Florida’s hurricanes can cause severe damage. Adequate coverage helps avoid large out-of-pocket expenses.
Real-Life Example:
After a strong hurricane, replacing a damaged roof can cost tens of thousands of dollars. Proper coverage shields you from having to pay that entire amount yourself.
Why It Matters:
These improvements keep you safer and show insurers you’re less likely to file large claims, which can bring costs down.
Real-Life Example:
Many Florida homeowners install hurricane shutters and impact-resistant windows. These updates reduce wind damage risks and can lead to lower premiums.
Why It Matters:
Standard homeowners policies usually don’t cover flood damage. Repairing flood damage out-of-pocket can be very expensive.
Real-Life Example:
A slow-moving storm caused street flooding in neighborhoods thought safe from floods, leading to pricey home repairs for those uninsured.
Why It Matters:
Florida’s limestone base can create sudden sinkholes. Having coverage helps protect against these unexpected events.
Real-Life Example:
A homeowner discovered a small depression in the yard that expanded into a large sinkhole. With the right coverage, repairs and home stabilization were covered.
Why It Matters:
You get unbiased guidance and can easily compare policies, premiums, and coverage limits.
Real-Life Example:
A homeowner had an older roof. One insurance carrier quoted a high premium, but another carrier offered a lower rate for the same coverage.
Why It Matters:
Upfront checks and possible improvements (like updated wiring or plumbing) reduce risks, helping you find better coverage terms.
Real-Life Example:
A 1950s home with an updated electrical system received a more favorable premium than one without such updates.
Why It Matters:
Replacement cost coverage ensures you’re able to replace damaged items with new ones, not just what they’re currently worth.
Real-Life Example:
A 10-year-old TV might have little resale value, but if you have replacement cost coverage, you get funds for a similar new TV.
Why It Matters:
Understanding your policy’s claim history guidelines helps you decide when it’s worthwhile to file a claim or handle smaller repairs yourself.
Real-Life Example:
A homeowner who made multiple small water-damage claims in a single year saw their premium rise more than someone with a one-time major hurricane claim.
Why It Matters:
Your coverage should match your home’s current value, features, and personal needs.
Real-Life Example:
A home addition can raise your property value. If you don’t update your policy, you risk being underinsured.
Why It Matters:
Wind mitigation reduces the chance of major hurricane damage and rewards you with lower insurance costs.
Real-Life Example:
Installing hurricane clips to secure the roof decreased one homeowner’s premium by hundreds of dollars a year.
