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A Florida homeowners policy protects the structure of your home, your belongings, and your liability if someone is injured on your property — but Florida's market has its own rules. Roof age, wind coverage, and a separate hurricane deductible all shape what you pay and what's covered. As an independent agency since 1966, we compare 150+ carriers to fit your home instead of forcing your home into one company's box.
No — flood is excluded from every homeowners policy in Florida and needs a separate flood policy. We can quote both together.
Many Florida carriers restrict or decline homes with roofs over 15–20 years old, or cover them only at actual cash value. A wind mitigation inspection can also earn premium credits.
A separate deductible — often 2% of your dwelling limit — that applies only to hurricane losses, instead of your standard all-perils deductible.