Florida Homeowners Insurance Experts

Because the fit is built around you: we compare options across 20+ Florida homeowners carriers — 25+ across our personal lines — and tailor a policy plan that gives you the coverage you need at a price that fits your budget. And you can check our work before spending a minute on a quote: membership in the Florida Association of Insurance Agents and the Trusted Choice® network, BBB A+ accreditation, and hundreds of 5-star Google reviews spanning more than a decade.

Personal property and casualty, across the board: homeowners (HO-3 and HO-5), condo (HO-6), renters (HO-4), dwelling fire and landlord (DP-3/DP-1), vacant home, flood, auto, motorcycle, boat & watercraft, RV, ATV, golf cart, umbrella and personal liability, plus specialty needs like special-event and horse liability. If it protects your home, your vehicles, or your family, we quote it.

Because we’re independent, your quote is compared across the carriers that fit your situation — so you see the strongest offer each market will make before you choose. Across homeowners, auto, flood, and umbrella, we represent carriers including American Integrity, American Traditions, Edison, Florida Peninsula, Foremost, GEICO, Heritage, Liberty Mutual, Manatee Insurance Exchange, Mercury, Monarch National, Neptune Flood, the NFIP, Olympus, Ovation, Progressive, RLI, Security First, Slide, Southern Oak, Tower Hill, Travelers, USLI, and more — see our carrier guide for our honest take on each.

Nearly every Florida home needs some amount of flood protection — the real question is how much. Standard homeowners policies exclude flood (though some carriers now offer optional flood endorsements — never automatic), and flooding regularly happens well outside high-risk zones. You have three paths: the NFIP, private flood carriers (often higher limits and shorter waits), or an endorsement added to your homeowners policy — and today’s pricing is property-specific, driven by distance to flooding sources, elevation, and construction rather than zone alone. We price the options for your address.

It genuinely depends on the home: the era it was built and its roof’s age, construction materials, your Coverage A rebuild amount, wind-mitigation credits you can document, and the discounts you qualify for. That’s why averages mislead — and why we compare your specific home across 20+ Florida carriers instead of quoting a guess. A free quote is the honest way to learn your number.

It’s a separate deductible that applies to hurricane damage on Florida policies — expressed as a percentage of your dwelling coverage rather than a flat dollar amount, typically 2% or 5%. On a $400,000 Coverage A limit, a 2% hurricane deductible means the first $8,000 of hurricane damage is yours before coverage responds. Picking that percentage is one of the biggest levers on both your premium and your storm-day exposure, and it’s a decision we walk through with you.

Often, yes — many carriers offer meaningful multi-policy discounts when home and auto ride together, and flood and umbrella can be packaged in the same review. But bundling isn’t automatically the win: sometimes separate carriers beat the bundle on total cost or coverage. Because we’re independent, we run it both ways and show you — our bundling guide explains when each approach wins.

File directly with your carrier — every carrier runs a 24-hour claims line, and claims move fastest reported straight at the source. You’ll find your carrier’s claim contacts on your policy documents and on our claims information page. Before repairs, document the damage with photos and video, make only the temporary repairs needed to prevent further damage, and keep every receipt. Your policy defines what’s covered, so keep it handy as the adjuster works your claim.

Yes — we write in every Florida county, all 67. Because carrier appetite and pricing change from one area to the next, we quote your specific address; our county-by-county guides show how your local market really works.

Many quote requests received before 3 PM come back the same day, and most others by the next business day. The quickest start is the 3-minute quote form — or share your current policy through Canopy Connect, our secure policy-sharing tool, and we’ll compare against what you already have.

Yes. A licensed Florida agent handles your quote, explains your options, and answers the phone after you’re a client — call, text, or email the same team.

Yes. We represent many carriers rather than one, which means the freedom to place your policy with whichever carrier fits you best — and to move it when the market shifts. Quotes are free, and carrier rates in Florida are filed with the state, so comparing through us doesn’t cost more.

Yes, when it’s the right fit. If private-market coverage isn’t available for a home, we can place it with Citizens — and because we watch the private market, we also help clients review admitted-carrier options and takeout offers when they appear. Our Citizens guide covers how it really works.

It’s the technology that lets us run your details across many carriers at once instead of re-keying your information company by company. Paired with Canopy Connect for secure policy sharing and our one-entry quote request, it means you answer questions once and see the market’s real prices — faster and with fewer errors.

Yes. Larger and custom homes come down to an accurate, home-specific rebuild number and the right structure — often an HO-5 form with extended replacement cost, plus endorsements matched to the property. We work with carriers that write higher-value Florida homes well and widen your options rather than forcing one mold.

Real people who answer, fast quote turnaround, a licensed team rather than a single storefront, strategic carrier relationships that get a human at the carrier when your file needs one, and genuine statewide market access — every Florida county, compared across 20+ homeowners carriers and 25+ across our personal lines.