Home / Home and Condo
Homeowners and Condo Insurance in Florida
Florida homes need a plan for wind, water, and a changing market. We compare carriers and show you exactly what you'd pay out of pocket after a storm.
Free and no obligation. About 2 minutes. Your information is never sold.
Who We Help
- First-time buyers who need proof of insurance before closing
- Homeowners shopping for a better rate
- Homeowners who were non-renewed or dropped
- Condo owners needing an HO-6 policy
- Landlords insuring a rental property
- Owners of older homes needing inspections
What It Covers
A standard homeowners policy is a bundle of protections. Here's what each part does.
- Dwelling
- Repairs or rebuilds the structure of your home after a covered loss.
- Other Structures
- Fences, sheds, and detached garages.
- Personal Property
- Your furniture, clothing, electronics, and belongings.
- Loss of Use
- Extra living costs if you can't stay home during covered repairs.
- Personal Liability
- Protects you if someone is hurt on your property or you damage theirs.
- Medical Payments
- Small medical bills for guests injured at your home.
Closing soon or just got non-renewed?We'll compare carriers and walk you through your options in plain language.
Get My Free Home QuoteWhat It Doesn't Cover
Straight answers up front, so there are no surprises at claim time.
- Flood. Rising water needs a separate flood policy
- Wear and maintenance. Gradual deterioration, mold from long-term leaks, and pests generally aren't covered
- Business activity. Running a business from home often needs its own coverage
- High-value items. Jewelry and collectibles may have low limits unless scheduled separately
What Florida Homeowners Should Know
- Know your hurricane deductibleFlorida policies typically carry a separate hurricane deductible, often a percentage of your dwelling coverage. On a $300,000 home, a 2% deductible means $6,000 out of pocket.
- A wind mitigation inspection can lower your premiumFeatures like roof straps, impact windows, and shutters can earn discounts, but only if they're documented by an inspection.
- Roof age mattersCarriers look closely at how old your roof is. Knowing the year it was replaced speeds up your quote.
- Older homes may need a 4-point inspectionMany carriers ask for an inspection of the roof, electrical, plumbing, and HVAC on older homes before writing a policy.
What Affects Your Price
Every quote is different. These are the biggest factors carriers look at.
- Location and distance from the coast
- Roof age, shape, and material
- Year built and construction type
- Wind mitigation features
- Claims history and the deductibles you choose
Because we're independent, you see real options from multiple carriers instead of a single take-it-or-leave-it price.
Common Questions
What is a hurricane deductible?
A separate deductible that applies to hurricane damage, usually a percentage of your dwelling coverage rather than a flat dollar amount. We'll show you the real dollar figure before you buy.
What's a wind mitigation inspection?
A short inspection that documents storm-resistant features of your home. Those features can qualify you for meaningful premium discounts in Florida.
My insurer non-renewed me. What now?
It happens often in Florida. We'll shop the carriers we work with to find you new coverage before your current policy ends, so start as early as you can.
What does condo insurance cover?
An HO-6 policy covers your belongings, liability, and the parts of the unit your association's master policy doesn't, which is often interior walls, floors, and fixtures.
Let's Find the Right Fit for Your Home
No pressure and no obligation. If the coverage you already have is the better deal, we'll tell you.
Prefer to talk? Call or text (813) 603-8714