Home Insurance

Protect Your Home from the Unexpected

From hurricanes to everyday mishaps, our home insurance helps safeguard your space, your belongings, and your peace of mind.

Why Home Insurance Matters

Your home is likely your biggest investment—and it deserves more than a basic policy. With unpredictable weather, rising repair costs, and Florida-specific risks, a tailored home insurance plan can make all the difference when life doesn’t go as planned. Our policies help you recover quickly from wind damage, theft, fire, and more. Whether you’re a full-time resident or part-time homeowner, we’ll help you build coverage that fits your property, your lifestyle, and your budget.

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What Home Insurance Can Cover

Dwelling Protection

Covers your home’s structure if it’s damaged by storms, fire, or other covered events.

Personal Property

Helps replace damaged or stolen belongings, from furniture to electronics.

Liability Coverage

Offers financial protection if someone is injured on your property.

Additional Living Expenses

Pays for temporary housing if your home becomes uninhabitable due to a covered loss.

Answers for Florida Homeowners

  • Does home insurance in Florida cover hurricane damage?

    Most home insurance policies cover wind damage caused by hurricanes, but flood damage is not included and must be purchased separately. It’s important to understand your windstorm deductible and ensure your policy limits match the cost to rebuild. We’ll help you customize your plan to protect against the most common local risks—including hurricanes and tropical storms.

  • Is flood insurance included in a standard home policy?

    No, flood insurance is offered through a separate policy, often through the National Flood Insurance Program (NFIP). Because so many Florida homes are in or near flood zones, we strongly recommend pairing flood insurance with your home policy. Even homes outside high-risk zones can experience flooding from heavy rain or storm surge.

  • What if I only live in my Florida home part of the year?

    We offer seasonal and secondary home policies tailored to part-time residents and snowbirds. These plans consider vacancy risks and short-term rentals if applicable. You’ll get the coverage you need without paying for what you don’t.