Personal Lines Coverage

Homeowners Insurance

Comprehensive protection for your home and everything in it — tailored for South Florida's unique risks including hurricanes, flooding, and liability.

Get a free quote Call (305) 791-4872

Coverage overview

Your home is likely your most valuable asset. Homeowners insurance protects you against losses from fire, theft, liability, and the severe weather events common in South Florida. As an independent agency, we shop across 100+ carriers to find the right coverage at the best price — including Citizens, Universal, and many others.

What we can include

Dwelling & structural coverage
Personal property protection
Liability coverage
Additional living expenses
Hurricane & windstorm coverage
Flood insurance options
Roof coverage & replacement
Pool & detached structure coverage

Who needs it

Who needs homeowners insurance?

Homeowners

Anyone who owns a primary residence in Florida needs homeowners insurance — and most mortgage lenders require it.

Condo Owners

Condo unit owners need HO-6 coverage to protect their interior, personal property, and liability beyond the HOA master policy.

New Buyers

Purchasing a home? We can bind coverage quickly so your closing isn't delayed.

Rental Property Owners

Own a rental? A landlord policy (DP-3) covers the structure and your liability as a property owner.

High-Value Homeowners

Luxury homes require specialized carriers and higher limits — we work with markets that specialize in high-value properties.

Coastal Property Owners

Homes near the coast face unique wind and flood risks. We help you navigate Citizens and private market options.

Questions

Frequently asked questions

Don't see yours? Call or text us and we'll answer it.

Is flood insurance included in homeowners insurance?

No — standard homeowners policies exclude flood damage. Flood insurance is purchased separately through the NFIP or private carriers. We can help you get both.

What does "hurricane deductible" mean?

Florida policies often have a separate hurricane deductible — typically 2–5% of your home's insured value — that applies when a named storm causes damage. We'll explain exactly what yours means.

How is my home's replacement cost calculated?

Replacement cost is the amount needed to rebuild your home at current construction costs — not its market value. We use industry tools to calculate an accurate estimate.

Can I get coverage if my roof is older?

Yes, though carriers have different rules. Some require a roof under 15–20 years old for full replacement cost. We work with carriers that have flexible roof guidelines.

Ready to get covered?

Our licensed advisors will find you the right coverage across our carrier partners. No obligation, no pressure. We speak English and Spanish.

Get a free quote (305) 791-4872

Other coverage lines

Automobile Insurance Travel Insurance Excess / Umbrella Insurance Commercial Auto Insurance Workers' Compensation Professional Liability Insurance Builder's Risk Insurance Surety & Performance Bonds