Protect Your Florida Home & Investment
Florida's weather and real estate market make the right homeowners insurance essential. We help you find comprehensive coverage that protects your home, belongings, and liability.
Homeowners Insurance Carriers We Represent
Florida Home Insurance Expertise
Our licensed Florida agents help you find the right coverage at the right price.
Hurricane & Storm Coverage
We specialize in Florida-specific risks including hurricane, wind, and tropical storm coverage — ensuring you're protected when it matters most.
Flood Insurance Specialists
Standard homeowners policies don't cover flooding. We help you navigate NFIP and private flood insurance options to protect your property.
Competitive Florida Rates
Florida's insurance market is unique. We work with carriers that specialize in the state to find you the best coverage at the most competitive price.
Home Coverage Options
Every situation is different — we'll help you find the plan that fits your life and budget.
Homeowners (HO-3)
The most common policy for single-family homes — covers your dwelling, personal property, and liability.
- Dwelling & structure coverage
- Personal property protection
- Liability & medical payments
- Additional living expenses
- Hurricane & wind coverage
Flood Insurance
Essential Florida coverage for rising water damage — required by most lenders in flood zones.
- Building & contents coverage
- NFIP & private flood options
- Required in FEMA flood zones
- Basement & foundation coverage
- Competitive private market rates
Condo & Renters
Tailored coverage for condo owners and renters protecting your personal property and liability.
- Personal property coverage
- Liability protection
- Loss of use coverage
- Unit improvements (condo)
- Affordable monthly premiums
Frequently Asked Questions
Have more questions? Call us at (716) 424-5479.
Is flood insurance required in Florida?
Flood insurance is required by most mortgage lenders if your property is in a FEMA-designated Special Flood Hazard Area (SFHA). Even outside flood zones, we strongly recommend it — over 25% of flood claims come from low-to-moderate risk areas.
Does homeowners insurance cover hurricane damage?
Most Florida homeowners policies cover wind damage from hurricanes, but may have a separate hurricane deductible (typically 2–5% of your home's insured value). We'll review your policy to make sure you're fully protected.
How is my home insurance premium calculated?
Key factors include your home's age, construction type, location, roof condition, proximity to water, claims history, and the coverage limits you choose. Florida's unique risks mean rates vary significantly by ZIP code.
What is Citizens Insurance and should I use it?
Citizens Property Insurance Corporation is Florida's insurer of last resort for homeowners who can't find coverage in the private market. While it's a valid option, private market coverage often provides better terms. We'll compare both for you.
Ready to get covered?
Get a free, no-obligation quote today. A licensed Florida agent will reach out within 1 business day.