Built for the most complex home insurance market in America. Hurricanes, wind, flood, sinkholes, Citizens, the private market — explained in plain language.
A standard Florida homeowners policy is built from several layers of coverage. Knowing what each one does — and what it doesn’t — is the difference between being protected and being exposed when you file a claim.
Florida home insurance has rules and risks that don’t exist anywhere else. If you don’t understand them, you can be paying for the wrong coverage — or missing it entirely.
In most states, your deductible is a flat dollar amount. In Florida, your hurricane deductible is a percentage of your dwelling coverage — typically 2%, 5%, or 10%. On a $400,000 home with a 5% hurricane deductible, you pay the first $20,000 of any hurricane claim out of pocket. Choosing the right deductible is one of the most important decisions in your policy.
Hurricane Ian made this brutally clear: damage from wind is covered by your home policy. Damage from storm surge or rising water is flood — which requires a separate flood policy. After a hurricane, the wind-versus-flood determination is often the single biggest factor in whether a claim is paid.
Citizens is Florida’s state-backed insurer of last resort. Many Florida homeowners are with Citizens because private carriers won’t write their property — but Florida has been actively "depopulating" Citizens by moving policyholders to private carriers. If you’re with Citizens, you may receive offers to move. Some are good. Some aren’t. An independent agency can help you evaluate them.
Florida is the sinkhole capital of the world. Some counties — Pasco, Hernando, Hillsborough — see far more sinkhole activity than others. Full sinkhole coverage costs extra and isn’t right for every property, but for some it’s essential.
Multiple Florida home insurers have gone insolvent or pulled out of the state in recent years. New carriers have entered. Rates have shifted dramatically. Independent agencies have a major advantage here — when your current carrier non-renews you or raises rates, we already have alternatives.
We compare private market carriers, Citizens, and surplus lines options to match your home with the right policy — including high-value homes, coastal properties, and older homes that are harder to place.
Our advisors know the difference between a 2% and 5% hurricane deductible’s annual savings, when sinkhole coverage matters, and what’s actually excluded in your policy form.
When your renewal jumps, we re-shop the market — not just rubber-stamp the increase. That’s the entire point of an independent agency.
When storms approach, our advisors are reachable. We don’t disappear when our clients need us most.
Two minutes to start. No obligation. Top-rated carriers compared in one call.