For the place you live, and the people you love.
When we say “home insurance” we mean homeowners, and usually flood and wind alongside it — in Florida those are commonly separate policies with their own deductibles. See how they fit together.
Each one shopped across multiple Florida carriers, each one explained in plain words.
Core protection for the house you own — the structure itself, your belongings, and your liability.
A separate policy that covers rising-water damage a standard homeowners policy leaves out — essential in Florida.
Protection against windstorm and hurricane damage.
Waterfront and near-coast homes, where wind, flood, and surge have to be assembled deliberately rather than assumed.
Estates, waterfront, and penthouses — placed with carriers that will write the limit the house actually needs.
An extra layer of liability protection that sits on top of your home and auto policies for the bigger what-ifs.
In Florida, flood damage is not covered by a standard homeowners policy — flood is a separate policy you buy on its own. And hurricane damage commonly carries its own separate deductible. A home can look fully insured and still have a gap when the water rises or the wind picks up.
Because we're independent, we line up your homeowners, wind, and flood coverage together and walk you through exactly what each one does — before it matters, not after.
Check my coverage for gapsMost homeowners policies are built from the same four parts. Here's what each one does.
This is the advantage of an independent agency: one quote request here puts multiple Florida carriers to work competing for you. No reason to spend your evening filling out forms site by site — comparing them is literally our job. The list changes as the Florida market changes; ask us for the current one.
Two minutes online, or call the office. Give us the basics on the property, in English or Spanish.
We quote your home, wind, and flood coverage across multiple Florida insurers and explain the differences in plain words.
Pick your policy and we handle the paperwork — and we're still here at renewal, storm season, and claim time.
No — and this surprises a lot of Florida homeowners. Flood is a separate policy, purchased on its own, through the National Flood Insurance Program or private carriers. We quote both and explain the difference.
In Florida, hurricane damage commonly carries its own separate deductible that works differently from your regular one, and the details vary by carrier. We walk you through exactly what yours would be before you buy — no surprises after the storm.
That's exactly what an independent agency is for. Send us your renewal and we'll shop it across the carriers we work with. If we can't beat it, we'll tell you that too.
Two minutes online, or one call to the office. The right coverage at the best price we can find, since 1994.
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