Home Insurance in Florida — Compare 20+ Top-Rated Carriers in One Call.
As your independent bilingual broker, we shop the entire Florida market to find the right home insurance policy for your home, family, and budget — at no extra cost to you. Whether you're buying, refinancing, or shopping for better rates, we make it simple.
Florida home insurance isn't like other states. Here's why we matter.
Florida has the most volatile home insurance market in the U.S. Hurricanes, sinkholes, carrier withdrawals, and Citizens depopulation make navigating policies on your own nearly impossible. An independent broker who knows the market saves you time, money, and stress.
Every type of home protection.
Whether you own, rent, or invest — we have a policy that fits your home and lifestyle.
From quote to coverage in 4 simple steps.
No pressure. No surprise fees. Just honest guidance every step of the way.
An independent broker who works for you, not the carriers.
When you work with us, you get the advocacy of a broker who answers to nobody but you.
"After our carrier left Florida, Regina found us a new home insurance policy quickly. She explained everything in Spanish for my mom. We saved $400 a year."
Serving homeowners across all of Florida
Headquartered in Boynton Beach · Serving Palm Beach County, Broward, Miami-Dade & all of Florida
Florida Home Insurance — Common Questions
Real answers to the questions Florida homeowners ask us every day.
Why is home insurance so expensive in Florida?
Florida faces frequent hurricanes, sinkholes, and litigation challenges, which raise costs for all carriers. Independent brokers help you find the most competitive option for your specific home and zip code. Some areas have more carrier competition than others — that's where shopping the market really matters.
Does home insurance cover hurricane damage?
Yes, but with a separate hurricane deductible (typically 2-10% of your home's insured value). Hurricane deductibles are separate from your standard deductible. Flood damage from a hurricane is NOT covered by home insurance — that requires a separate flood policy.
Do I need flood insurance if I have home insurance?
Often yes. Standard home insurance policies don't cover flood damage. If you're in a high-risk flood zone or have a federally-backed mortgage, flood insurance is typically required. Even if you're not in a flood zone, flooding can still happen — we recommend asking us about your specific risk.
What is Citizens Property Insurance and should I switch?
Citizens is Florida's state-backed insurer of last resort. Florida has been moving customers off Citizens to the private market ("depopulation"). We help you transition smoothly to a private carrier that fits your needs, often with better coverage at a competitive rate.
How long does it take to get a quote?
Most quotes are delivered typically within 24-48 hours, depending on your home, location, and the carriers being compared. Some quotes take longer if additional inspection or documentation is needed. Call us at (561) 633-6208 to start.
Can I bundle home and auto insurance?
Yes, and bundling typically saves homeowners significantly. We handle both policies for you, in one call, with one bilingual team. Bundle savings vary by carrier and policy, but most clients see meaningful annual savings.
What if my current carrier dropped me?
You're not alone — many Florida carriers have non-renewed policies recently. We specialize in finding new coverage for displaced homeowners. Call us before your current policy expires so we can secure new coverage without a gap.
Are you a broker or an agent?
We're an independent broker, which means we represent YOU — not any one insurance company. We have access to 20+ A+ rated carriers and shop the entire market on your behalf. There's no extra cost to use a broker — we're paid by the carrier you choose.
Ready to protect your Florida home?
Free quote comparison. No pressure. We'll find your best option from 20+ A+ rated carriers. English or Español, whichever feels like home.
📞 Call (561) 633-6208