Florida Home Insurance from a 5-Star Independent Agency
Florida homeowners insurance is a market in motion — carriers enter, expand, pause, and reopen appetite, so the strongest quote rarely comes from the same carrier two years running. We’re an independent agency writing in every county in Florida, comparing the market side by side so you see where your home prices best.
Homeowners coverage at a glance
Few insurance markets move like Florida homeowners insurance: carriers enter, grow, pause when a region fills, and reopen with fresh appetite — and Florida has approved a wave of new homeowners carriers since its market reforms. That movement is good news for you: the carrier with the sharpest quote on a home like yours changes as markets open and grow, and comparing all 20+ Florida homeowners carriers is how you catch it.
Cornerstone Insurance is a family-owned and operated Trusted Choice® independent personal lines agency. We represent many carriers rather than one: your quote is priced across A-rated Florida homeowners markets and explained by a licensed agent, so you carry what your home needs without paying for what it doesn’t.
Step 1
Get A Quote
A licensed Florida agent asks about the home — year built, roof and its paperwork, updates — the details that decide which carriers compete for it.
Step 2
Review Your Options
Your quote comes back priced across the field, not one company’s rate page — options side by side in plain English.
Step 3
Switch with Ease
We handle the paperwork with you, help wrap up the old policy, and stay a call or text away as needs change.
Your Homeowners Insurance Options in Florida
Alongside a few national names, dozens of Florida-focused carriers specialize in this one state, and the lineup refreshes — some carriers exited or paused, while a newer generation of well-capitalized insurers stepped in, several approved since the state’s market reforms. We’ve done the vetting so you don’t have to: every carrier we quote earns its place on financial strength, reinsurance, and client care in storm season — the 20+ Florida homeowners carriers competing for your home all cleared that bar.
Newer carriers need to grow, and growing carriers compete — exactly why comparing the whole field pays. Meet the lineup on our Florida home insurance carriers hub.
What Drives a Florida Homeowners Insurance Quote
A handful of levers set the price. The age of the home — priced in era cohorts, each era rated on its own construction habits and claims record, never on a straight line — construction materials, the Coverage A rebuild amount, endorsements (contents replacement cost, law & ordinance), wind-mitigation credits, discounts (gated community, alarm, leak sensors), and the carrier’s own loss data for your area. Every carrier weighs these differently — that’s why one house gets a spread of prices, and why we quote the spread.
Roof age moves both eligibility and price. A documented newer roof — permit or wind-mitigation report in hand — opens more carriers for your home first and earns credits second. Florida law (s.627.7011) backs you up: a carrier can’t decline to write or renew solely because of roof age while the roof is under 15 years old; at 15 or older you have the right to an inspection — five or more years of useful life left, and age alone still can’t be the reason. More in our roof age and home insurance guide.
Two inspections are worth real money to you. A wind-mitigation inspection documents the features that resist storm wind — roof shape, deck attachment, straps — and its credits are among the largest discounts on a Florida policy. Carriers often ask for a four-point inspection (roof, electrical, plumbing, HVAC); a clean report is evidence in your favor — and documentation issues are among the top reasons a new policy gets cancelled.
A prior claim doesn’t raise your rate by itself. Property rates aren’t surcharged for a past claim the way people expect — what it can do is narrow which carriers will quote the home for a time and cost you the claims-free discount, typically 2 to 10 percent — one more reason we quote the whole field.
Water, Wind, and the Layers Around Your Policy
Water damage is the claim we see most — plumbing and appliance leaks, not hurricanes. We encourage clients to carry as much water-damage coverage as they can qualify for — the caveat: recent water losses, the home’s age, and the type and age of its plumbing can limit or exclude water coverage with some carriers.
Flood is always a separate policy. Hurricane wind is what the home policy is built around — the water is not: hurricane rain and storm surge are flood losses, and no homeowners policy covers flood. Every Florida home needs some amount of flood coverage — the question is how much, never whether. Priced alongside your home quote — start with our Florida flood insurance page.
Home, auto, and the umbrella above both. Pairing home and auto usually earns a multi-policy discount — we quote auto across 6+ Florida auto carriers and show bundle vs split side by side. For liability above home and auto limits — pools, pets, young drivers — an umbrella policy adds protection in one-million-dollar layers, quoted across 5+ umbrella carriers.
Frequently Asked Questions About Florida Homeowners Insurance
How much homeowners insurance coverage do I need?
Enough to rebuild — a different number from what you paid. Purchase price tracks the market; Coverage A tracks construction cost for your specific home, and construction costs have their own inflation. Working with your agent, start from an honest rebuild figure — too low leaves a gap at a total loss, padded has you paying for value the house doesn’t carry — and consider extended replacement cost for the building-cost jump after a widespread disaster.
Does homeowners insurance cover flood damage?
No — flood is excluded from every standard homeowners policy, including hurricane rain and storm surge. It’s bought three ways: the NFIP, private flood carriers, or a flood endorsement on a home policy where the carrier offers one. Every Florida home needs some amount of flood coverage — flooding turns on a property’s immediate surroundings and elevation, not just its zone — so the question is how much fits your home. We price it alongside your homeowners quote.
How do I know if I have enough liability coverage?
There’s no formula. Working with your agent, the aim is as much liability protection as you qualify for and can afford, at limits protecting what you’ve built and what you’ll earn — a judgment can reach future income. An umbrella policy adds more in one-million-dollar layers on top.
Should I get a higher or lower hurricane deductible on my policy?
Percentage hurricane deductibles are calculated on your Coverage A amount, not the size of the loss, and Florida carriers offer set choices: $500, 2, 5, or 10 percent. A higher percentage lowers premium; the test is whether you could absorb that number after a storm. It applies per calendar year, not per storm — our Florida hurricane deductible explainer has the details.
Which home insurance carriers do you work with?
Because we’re independent, carriers compete for your home. We quote 20+ Florida homeowners carriers, including:
- Tower Hill
- American Integrity
- Slide
- Florida Peninsula
- Ovation
- Manatee
- Security First
- + more Florida homeowners carriers
What other types of insurance do you offer?
Nearly every policy a household carries — 25+ carriers across our personal lines: