Your home is likely your largest investment — and in Florida, it faces risks most of the country never thinks about. We match your home to carriers who cover it properly, wind and all.
Coverage terms, limits, and exclusions vary by carrier and policy form. We walk you through exactly what is and isn’t covered before you bind — no fine-print surprises.
Wind is generally covered, subject to a separate hurricane deductible — commonly 2% to 5% of your dwelling limit. Flooding from storm surge or rising water is not covered and needs a flood policy.
Statewide litigation costs, reinsurance pricing, and roof age drive Florida rates more than your individual claims history. Shopping across carriers at renewal is the most reliable lever you have.
Many Florida carriers require an inspection past 10 to 15 years and may offer only actual cash value on an older roof. A recent roof can meaningfully reduce premium.
An inspection documenting features like roof attachment, shutters, and opening protection. It commonly produces credits that pay for the inspection many times over.
Tell us a little about what you’re protecting. We’ll come back with options and real pricing — no obligation.