Home Insurance
in Florida
Florida homeowners face unique risks — hurricanes, flooding, and rising premiums. We compare rates from multiple carriers to find comprehensive coverage at a price that works for you.
in a Few Minutes
Compare available options from multiple carriers. No commitment, no spam — just your options side-by-side.
What our customers have to say
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Home Insurance Coverage We Offer
Every property is different. We help you find the exact coverage you need — no more, no less.
Homeowners Insurance (HO-3)
The most comprehensive protection for your home. Covers the structure, personal belongings, liability, and additional living expenses if your home becomes uninhabitable due to a covered loss.
Condo Insurance (HO-6)
Designed specifically for condo owners. Covers your unit's interior, personal property, and liability. Works alongside your HOA's master policy to fill coverage gaps.
Renters Insurance (HO-4)
Affordable protection for your personal belongings, plus liability coverage. Essential for anyone renting an apartment or home in South Florida.
Flood Insurance
Standard homeowners policies don't cover flood damage — and in Florida, flooding is a real risk. We offer NFIP and private flood insurance options to keep your property protected.
Wind & Hurricane Coverage
Living in Florida means hurricane season is a reality. We ensure your policy includes adequate windstorm and hurricane coverage with the best deductible options.
Umbrella Liability
Extra liability protection beyond your homeowners policy limits. Protects your assets in the event of a major lawsuit or liability claim.
South Miami-Dade homeowners — see our dedicated homeowners insurance in Leisure City, FL page for area-specific coverage guidance. Standard home policies don't cover flooding — see our flood insurance in Leisure City, FL page to understand your options. Renting? See our renters insurance in Leisure City, FL page.
Property coverage by city and by policy type
Homeowners, flood and renters are three separate policies that cover three different things. These pages go into each one for your city.
Homeowners insurance by city
Flood insurance by city
Flood is written separately from homeowners in Florida, through the NFIP or a private flood carrier. A homeowners policy excludes rising water no matter how comprehensive it looks.
Not sure which page you need?
Find the line that matches your situation and start there. If none of them fit, call us and we will point you to the right one.
Homeowners vs. flood vs. renters
Most South Florida coverage gaps come from assuming one of these policies does the job of another. Here is how they actually divide up.
| Type of loss | Homeowners (HO-3) | Flood policy | Renters (HO-4) |
|---|---|---|---|
| Wind and hurricane damage to the structure | Covered, typically subject to a separate percentage hurricane deductible | Not covered — flood policies do not pay for wind | Not applicable — you are not insuring the building |
| Rising water, storm surge, tidal overflow | Excluded | This is precisely what a flood policy is for | Excluded |
| Your furniture, electronics and clothing | Covered as personal property | Only if you purchase contents coverage | Covered as personal property |
| A visitor is injured inside your home | Covered under personal liability | Not covered | Covered under personal liability |
| Hotel and living costs while the home is unlivable | Covered as loss of use | Generally not provided under NFIP policies | Covered as loss of use |
| A pipe bursts inside the wall | Typically covered as sudden and accidental water damage | Not a flood loss | Your belongings yes, the structure no |
| The building itself | Covered under dwelling coverage | Covered up to the policy limit you buy | Not covered — that is the landlord’s policy |
This table describes how these products generally differ. What your policy actually pays depends on its form, endorsements, exclusions and limits — read your own declarations page, and ask us about anything that is unclear before a storm makes it urgent.
What South Florida homeowners and renters should understand
Wind and flood are two different perils, and that is where South Florida claims go wrong
The single most common misunderstanding we correct is the assumption that a good homeowners policy handles “hurricane damage.” It handles the wind. If wind tears off shingles and rain enters through the opening, that is generally a homeowners claim. If water rises from the ground — storm surge, overflowing canals, streets that cannot drain — that is a flood loss, and a homeowners policy excludes it.
The same storm can produce both, which is why claims from a single hurricane sometimes get split between two policies with two deductibles. If you own property in South Florida and carry no flood coverage, you are not insured for one of the two ways a hurricane damages a home. That is a decision worth making deliberately rather than by default.
What Florida carriers look at on a home
Underwriting a Florida home is mostly about the roof and the openings. Carriers want to know the roof’s age, material and condition, and many will ask for an inspection before they will offer terms on an older home. A four-point inspection covering roof, electrical, plumbing and HVAC is common once a house passes a certain age.
Wind mitigation is the other half. Features that reduce wind damage — roof-to-wall attachments, a secondary water barrier, impact-rated windows or shutters — are documented in a wind mitigation inspection, and they matter to how a policy is rated. If you have made those improvements and never submitted the report, your policy may not reflect work you already paid for.
- Roof age, covering material and current condition
- Four-point inspection on older homes: roof, electrical, plumbing, HVAC
- Wind mitigation features and the report documenting them
- Opening protection such as impact glass or shutters
- Replacement cost to rebuild, which is not the same as market value
- Prior claims history on the property itself, not just on you
Your hurricane deductible is a percentage, not a flat amount
Most Florida homeowners policies carry two deductibles: a flat dollar amount for ordinary claims, and a separate hurricane deductible expressed as a percentage of the dwelling limit. On a home insured for $400,000, a 2% hurricane deductible is $8,000 before the policy pays anything on a named-storm claim.
That number is worth knowing before a storm rather than after, because it changes what a realistic claim looks like and how much cash you would need on hand. It is also adjustable at renewal — moving between deductible options changes both your premium and your exposure, and the right answer depends on how much you could absorb yourself.
Renters: the landlord’s policy does not cover your things
A landlord insures the building. Nothing in that policy pays to replace your laptop, your clothes, or your furniture, and nothing in it defends you if a guest is injured in your unit or if you accidentally cause damage that affects neighboring units.
Renters insurance is usually the least expensive policy in a household and the one most often skipped. It typically covers personal property, personal liability, and loss of use — the cost of somewhere to stay if the unit becomes uninhabitable. If you rent and you are on a lease that requires liability coverage, it is also frequently a contractual obligation you may already be out of compliance with.
Home Insurance FAQ
How much does homeowners insurance cost in Miami?
Costs vary depending on your property's value, location, age, and construction type. Florida averages are higher than the national average due to hurricane risk, but we shop multiple carriers to compare what's available. Savings vary by property, construction type, and carrier, so we compare options for your specific home.
Do I need flood insurance in Florida?
If you have a mortgage, your lender likely requires it if you're in a high-risk flood zone. Even if not required, we strongly recommend it — standard homeowners policies do NOT cover flood damage, and Florida experiences more flooding than almost any other state.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to rebuild or replace your property at today's prices. Actual cash value deducts depreciation. We generally recommend replacement cost coverage for better protection.
Can you help if I've been dropped by my insurance company?
Yes. We work with many carriers, including those that specialize in properties that other companies won't cover. Whether it's an older roof, prior claims, or other issues, we can usually find you coverage.
How do I lower my homeowners insurance premium?
Common ways include: upgrading your roof, installing hurricane shutters or impact windows, bundling home and auto, raising your deductible, and shopping your rate annually — which is exactly what we do for you.