Comprehensive Home Insurance for Florida
Your home is your biggest investment. Protect it with comprehensive coverage tailored for Florida homeowners and the unique challenges we face.
Protect Your Home and Everything Inside
From hurricanes and windstorms to fire and theft, Florida homeowners face unique risks. Our comprehensive home insurance policies protect your dwelling, personal property, and provide liability coverage—giving you complete peace of mind.
Dwelling Coverage
Repair or rebuild your home if it's damaged by covered perils like fire, wind, or vandalism.
Personal Property
Protect your furniture, electronics, clothing, and other belongings inside your home.
Liability Protection
Coverage if someone is injured on your property or you're sued for property damage.
What's Covered in Your Home Insurance Policy
Dwelling Coverage (Coverage A)
Covers the physical structure of your home including attached structures like garages.
- ✓Walls, roof, and foundation
- ✓Built-in appliances and systems (HVAC, plumbing, electrical)
- ✓Attached structures (garage, deck, porch)
Other Structures (Coverage B)
Protects structures on your property not attached to your home.
- ✓Detached garages and sheds
- ✓Fences and driveways
- ✓Gazebos, pool houses, and detached patios
Personal Property (Coverage C)
Covers your belongings inside and sometimes outside your home.
- ✓Furniture, clothing, and appliances
- ✓Electronics, jewelry, and valuables
- ✓Sports equipment and tools
- ✓Items temporarily away from home (subject to limits)
Liability Protection (Coverage E)
Protects you if you're found legally responsible for someone's injury or property damage.
- ✓Medical bills if a guest is injured on your property
- ✓Legal defense costs if you're sued
- ✓Damage you or family members cause to others' property
- ✓Typically $100,000 to $500,000 in coverage
Additional Living Expenses (Coverage D)
Pays for temporary living costs if your home becomes uninhabitable due to a covered loss.
- ✓Hotel or rental housing costs
- ✓Additional food and transportation expenses
- ✓Pet boarding fees
- ✓Storage costs for your belongings
Florida-Specific Coverage Considerations
Hurricane & Windstorm
Florida requires separate windstorm coverage or special hurricane deductibles (often 2-5% of dwelling coverage).
- ✓Covers wind damage from hurricanes and tropical storms
- ✓May be included or require separate policy
- ✓Higher deductibles typically apply
Sinkholes
Florida's limestone foundation makes sinkholes a real concern. Some insurers offer this as add-on coverage.
- ✓Catastrophic ground cover collapse coverage (required)
- ✓Optional broader sinkhole coverage available
- ✓More important in certain Florida regions
Replacement Cost
Opt for replacement cost coverage instead of actual cash value to avoid depreciation issues.
- ✓Rebuilds home without depreciation deductions
- ✓Accounts for rising construction costs
- ✓Extended replacement cost provides extra cushion
Water Damage
Standard policies cover sudden water damage (burst pipes) but NOT flood damage—that requires separate flood insurance.
- ✓Burst pipes, roof leaks, and appliance malfunctions covered
- ✓Flood damage requires separate policy
- ✓Water backup coverage available as endorsement
What's Typically NOT Covered
Standard home insurance policies exclude:
- ✗Flood damage - Requires separate flood insurance policy
- ✗Earthquake damage - Separate earthquake insurance needed
- ✗Maintenance issues - Wear and tear, mold, termites, neglect
- ✗Home-based business - Requires business insurance or endorsement
- ✗Certain dog breeds - Some insurers exclude specific breeds
- ✗Vacant properties - Extended vacancy may void coverage
Ways to Save on Home Insurance
🏠 Home Improvements
- • Hurricane shutters or impact windows
- • Roof upgrades or reinforcements
- • Security system installation
- • Fire alarm and sprinkler systems
💰 Policy Discounts
- • Bundle home and auto insurance
- • Increase deductible (reduces premium)
- • Loyalty discount for longtime customers
- • Claims-free discount
🏘️ Location Factors
- • Proximity to fire station
- • Gated community residence
- • Lower crime area
- • Newer home (built within 10 years)
👤 Personal Factors
- • Good credit score
- • Non-smoker household
- • Retiree or senior discounts
- • Professional association memberships
Get Comprehensive Home Insurance Today
Protect your home and family with coverage designed for Florida homeowners. Compare quotes from top carriers.
Bundle with auto insurance for even greater savings!