Florida home insurance, placed by a real agent.
Hurricane deductibles, wind mitigation credits, sinkhole endorsements, Citizens depopulation — Florida is its own market. We translate it, then shop your renewal across the carriers actually writing in your ZIP — from Port St. Lucie and Stuart to Fort Pierce and across the Treasure Coast.
- Quotes compared across multiple carriers
- Guidance on wind mitigation inspections and available credits
- Flood policies via NFIP and private markets
- Claims guidance when the storm hits
Coverage that fits Florida realities
Dwelling & wind
Replacement-cost rebuild including roof, walls, and attached structures — with hurricane and named-storm deductibles structured to your risk.
Personal property
Contents coverage with scheduled endorsements for jewelry, art, and high-value items the base policy under-insures.
Liability & medical
$300K to $1M of personal liability, plus medical payments to guests — bundled with umbrella for high-net-worth households.
Flood (NFIP & private)
Florida's #1 uncovered loss. We quote both NFIP and private flood — private often beats federal pricing in coastal zones.
Loss of use
Hotel, food, and additional living expenses while your home is uninhabitable after a covered loss — typically 20% of dwelling limit.
Sinkhole & catastrophic ground cover
Catastrophic ground-cover collapse is required by FL statute. Full sinkhole endorsements are optional — we explain when they're worth it.
Frequently asked
Why did my Florida premium jump in 2025–2026?
Three reasons: reinsurance costs, litigation reform working through the books, and carriers re-pricing roof risk. We re-shop every renewal so you can see how your current rate compares to other carriers writing in your area.
Do I really need flood insurance if I'm not in a flood zone?
Yes. Over 40% of NFIP claims paid in Florida are outside high-risk zones. A preferred-risk NFIP policy is often $400–$700/yr — cheap insurance for the most common uncovered Florida loss.
What's a hurricane deductible and how does it work?
It's a separate, percentage-based deductible (typically 2–5% of dwelling limit) that only applies to named-storm losses. On a $400K home with a 5% deductible, you'd pay the first $20,000 of a hurricane claim. We help you balance deductible vs. premium.
Can I get out of Citizens?
Often, yes. When depopulation offers or private-market options are available, we can review them with you and compare coverage side by side.
Get your Florida quote today.
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