Your Home.
Your Coverage. Your Way

Florida homes face unique risks—from hurricanes and flooding to rising construction and rebuilding costs. We help you choose homeowners coverage designed around your property, your needs, and your family. Rather than simply handing you a policy and expecting you to figure it out, we take the time to explain your coverage, answer your questions, and make sure you understand what you're protected against and where gaps may exist.

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What Does Homeowners Insurance in Florida Cover?

Florida homes face some unique risks. Here's a closer look at the main categories of coverage in a typical policy.

Dwelling

Protects the structure itself.

Coverage A protects the main structure of your home against covered losses, including the walls, roof, foundation, and other permanently attached parts of the dwelling. Your coverage limit is based on the estimated cost to rebuild your home—not its market value.

Other Structures

Protects what's around the house.

Covers structures on your property that aren't part of the main house — think a detached garage, a shed, a fence, or a screened-in patio. It's typically set as a percentage of your dwelling limit, so it's worth checking that it's enough to cover everything sitting outside your four walls.

Personal Property

Covers what's inside your home.

Replacing what's inside your home — clothing, electronics, furniture, appliances, and other possessions — adds up fast after a loss. This coverage is usually set as a percentage of your dwelling limit, and how it pays out depends on whether your policy uses replacement cost or actual cash value.

Liability

If someone's hurt on your property.

Handles the medical expenses and legal defense costs that come up if a guest is injured while on your property, or if you're found responsible for damaging someone else's. Many homeowners increase this limit — or pair it with an umbrella policy — for extra protection against a serious claim or lawsuit.

Loss of Use

Somewhere to stay during repairs.

Steps in when a covered claim leaves your home unlivable, helping cover temporary lodging, meals, and other added living expenses while repairs are underway. It's easy to overlook until you actually need it — and it can make a real difference during a stressful rebuild.

Water Damage

For sudden leaks and burst pipes.

Addresses sudden plumbing mishaps like a burst pipe or a failed water heater. Rising water from a storm, hurricane, or heavy rainfall is treated differently in Florida and falls under a separate flood policy — we'll walk through both so you know exactly where the line is.

Hurricane & Windstorm

Peace of mind for storm season.

Florida's long storm season makes this one of the most important pieces of a homeowner's policy each year. Most policies apply a separate, higher deductible for hurricane and named-storm damage, often calculated as a percentage of your dwelling limit — worth understanding well before a storm is on the way.

Loss Assessment

For homes with an HOA.

Worth adding if you belong to an HOA or condo association — it picks up your portion of a claim filed against community-owned property, like a clubhouse, pool, or shared roof, so a shared loss doesn't turn into an unexpected bill for you.

Wind Mitigation Credits and Protection

Storm-proofing that pays you back.

Features like a hip roof, impact-rated windows, reinforced garage doors, and secondary water resistance don't just make your home safer in a storm — they can qualify you for meaningful discounts on the wind portion of your premium. A wind mitigation inspection documents these features so carriers can apply the credits you've earned.

See What Hurricane Winds Can Do to Your Home.

Florida's storm season is real. Use the simulator below to bring a Category 4-5 hurricane to a typical home and watch what strong winds can do to the roof, windows, yard and foundation — then let us make sure your homeowners policy is built for it.

Try the Simulator
Storm Simulator

See What Hurricane Winds Can Do to Your Home

Click and hold anywhere on the house. The hurricane builds and hits the whole home. Then drag to aim the wind wherever you want.

Loading the storm…
  • Roof
  • Windows
  • Trees & debris
  • Foundation
  • Water intrusion

Click and hold on the house to bring the hurricane in.

Illustration for educational purposes only. Actual damage depends on the storm, the home's construction and your policy.

More Than Just a Policy

As an independent agency, we compare your homeowners policy across more than 25 top-rated carriers — not just one. That means finding the right combination of price and protection now, and having the flexibility to shop your renewal again later instead of accepting another rate increase.

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Coverage A: Dwelling, Explained

Coverage A Dwelling is defined as the amount coverage the insurance company will pay to rebuild your home if it's damaged or destroyed by a covered loss. This amount is the improvement value minus the land value. It's supposed to reflect the full reconstruction cost if the home were completely demolished and had to be rebuilt from the ground up. We always want to make sure this number is accurate.

Most carriers are very strict with having an accurate Coverage A, and some non-standard home carriers not so much. I always make sure our agents calculate a very accurate replacement cost by pulling the data from the property appraiser, looking at the eagle view from the sky, we get the square footages of everything — the patio, the deck, the porch, the garage, the pool, also the living area, structural details. We're always going to calculate a precise replacement-cost estimate for you.

Obviously you never want to be underinsured or overinsured — over-insuring yourself is you spending unnecessary premium, and then underinsuring yourself, I mean in a total loss — like a fire where the home has to be completely rebuilt — being off by 60-75 thousand dollars or more comes straight out of your pocket. Then at that point it's like, why do we even pay for an insurance policy?

Some non-standard carriers unethically keep Coverage A low to control your premium. But 95% of insurance companies have strict underwriting, and they're going to require the replacement cost estimate to be accurate. If Coverage A is undervalued, underwriting can flag it during their review and adjust it to the correct range, which can lead to a rate increase and an additional bill. My job is to prevent those issues and ensure your policy runs smoothly, so getting this number accurate is essential.

Coverage B: Other Structures, Explained

Coverage B, Other Structures, applies to anything on your property that isn't attached to the main house — a detached garage, a shed, a fence, a gazebo, a screened-in patio, even a detached carport. If one of those is damaged by a covered loss, this is the coverage that pays to repair or rebuild it, separate from the dwelling itself.

This limit is almost always set automatically as a percentage of your Coverage A — usually somewhere around 10%. That works fine for a typical yard, but if you've got a large detached garage, a guest house, or several outbuildings, that default percentage can fall well short of what it would actually cost to rebuild them.

I always ask clients to walk me through what's actually on the property — not just what's listed on the survey. A pool cage, a dock, a workshop — these all fall under this coverage, and if they're not accounted for accurately, you could be paying out of pocket for the difference after a storm.

The goal is the same as with the dwelling: get the number right before you ever need to file a claim, not after. It's a lot easier to adjust a limit today than to find out it was too low the week after a hurricane.

Coverage C: Personal Property, Explained

Coverage C protects all of your belongings — clothes, appliances, electronics, furniture, pots and pans, tools, lawn equipment, and everything you can physically move. Your current limit is $95,000, which is 25% of Coverage A, and personal property is always set as a percentage of Coverage A, usually starting at 25% and increasing in 5% increments.

High-value items like jewelry, Rolex watches, antiques, silver or gold ware, fine art, and designer pieces all have strict limits on every homeowner's policy, typically $1,500–$2,500 per item, depending on what it is. Your current policy has the same limits.

Anything you want covered for more — whether it's worth $4,000, $6,000, or $10,000 — must be added as scheduled personal property with an appraisal or recent receipt, a description, the value, and clear photos for underwriting.

You also get to choose Actual Cash Value or Replacement Cost for your personal property. Right now, you have ACV, which is Actual Cash Value. That pays the depreciated value of your items, not the cost to replace them brand new. Replacement Cost pays to replace your items at 100% of their value with brand-new equivalents.

For total-loss situations, it's difficult to remember every item you owned, so carriers always recommend keeping photos of your belongings throughout the home as a reference in a worst-case scenario.

Personal Liability Coverage, Explained

Personal liability coverage protects you financially if someone is injured on your property, or if you (or a family member) accidentally cause damage to someone else's property. It covers the cost of their medical bills, and if it goes further, it covers your legal defense and any judgment against you, up to your policy limit.

Most standard policies default to $100,000 or $300,000 in liability coverage. That sounds like a lot until you consider what a serious injury claim or lawsuit can actually cost — legal defense alone can run well into six figures before a judgment is even decided.

This is one of the areas I push clients to think about carefully, especially if you have a pool, a trampoline, a dog, host gatherings often, or simply have significant assets to protect. Raising this limit is usually inexpensive relative to the protection it adds.

For clients who want serious protection here, I usually recommend pairing your homeowners liability with a personal umbrella policy. An umbrella sits on top of your home and auto liability limits and can add $1 million or more in additional protection for a relatively small annual cost — it's often the best value in an entire insurance program.

Coverage D: Loss of Use, Explained

Coverage D, Loss of Use, steps in when a covered loss makes your home temporarily unlivable — say a fire, a burst pipe, or wind damage that requires major repairs. It covers the added cost of living elsewhere while your home is being restored: hotel bills, temporary rental, even extra costs for meals if your kitchen is out of commission.

This coverage is usually set as a percentage of your dwelling limit, and it's one that people rarely think about until they actually need it. If your home takes three, six, even twelve months to fully repair after a serious loss, this is what keeps you from paying for two households at once out of pocket.

It's worth checking that this limit is realistic for your situation — a larger family that needs a bigger temporary rental, or a longer expected repair timeline after major structural damage, can burn through a low Loss of Use limit faster than people expect.

I always tell clients: this is the coverage nobody thinks about until the day their home floods or catches fire, and then it becomes the most important line in the policy. Getting it right now costs very little, and it matters a great deal later.

Water Damage vs. Flood, Explained

Your standard homeowners policy covers sudden and accidental water damage — things like a burst pipe, a failed water heater, or an appliance that malfunctions and floods a room. These are treated as covered perils just like fire or wind, as long as the damage happens suddenly rather than building up over time.

What it does not cover is flood damage — rising water from a storm, heavy rainfall, storm surge, or an overflowing body of water. In Florida, that distinction matters enormously, and it's one of the most common gaps I see in policies that were written without a real conversation about it.

Flood protection requires its own separate policy, either through the National Flood Insurance Program or a private flood carrier. Even homes outside of a mapped flood zone can flood — a huge share of flood claims in Florida come from properties that were never required to carry flood insurance in the first place.

Gradual water damage — a slow leak that's gone unnoticed for months, or damage from lack of maintenance — is also typically excluded from both homeowners and flood policies. That's why I always recommend addressing plumbing issues quickly rather than waiting, since a slow leak claim is one of the hardest to get covered.

Hurricane & Windstorm Coverage, Explained

Wind and hurricane damage is generally covered under a standard Florida homeowners policy, but it doesn't work quite the same way as other claims. Most policies apply a separate hurricane or named-storm deductible, which is often calculated as a percentage of your dwelling coverage rather than a flat dollar amount.

That percentage-based deductible catches a lot of people off guard. A 2% hurricane deductible on a $400,000 dwelling limit means an $8,000 deductible before your coverage kicks in — very different from the flat $1,000 or $2,500 deductible people are used to on other claims.

Wind mitigation features on your home — a hip roof, impact-rated windows, reinforced garage doors, secondary water resistance — can meaningfully lower both your premium and your risk. We'll usually walk through whether a wind mitigation inspection makes sense for your specific home.

Because hurricane season is a real, recurring risk here, this is a coverage I revisit with clients every renewal, not just when the policy is first written. Rates, deductible structures, and carrier appetite for wind risk all shift over time, and it's worth checking that your policy still makes sense each year.

Loss Assessment Coverage, Explained

Loss Assessment coverage applies if you live in a community governed by an HOA or condo association — it covers your share of a claim made against property the community owns jointly, like a clubhouse, pool, shared roof, or common area fencing.

Here's how it typically plays out: the association's own master policy covers the shared property, but if that policy isn't enough to cover a major loss, the association can assess each homeowner for their portion of the shortfall. Loss Assessment coverage on your personal policy is what picks up that bill instead of you.

This is easy to overlook because it's a relatively small add-on, but for homeowners in communities with shared pools, gyms, elevators, or extensive common areas, a large loss to those shared assets can turn into a real, unexpected bill without this coverage in place.

I always ask clients whether they're part of an HOA or condo association specifically because of this — it's a quick conversation, but it closes a gap that a lot of standard policies leave open by default.

Wind Mitigation Credits and Protection, Explained

Wind mitigation features are the physical characteristics of your home that make it more resistant to hurricane-force wind — things like a hip roof shape, impact-rated windows and doors, reinforced garage doors, roof-to-wall connections, and secondary water resistance barriers under the roof covering.

Beyond making your home safer in a storm, these features can qualify you for real discounts on the wind portion of your premium. In Florida, wind mitigation credits are required by law to be offered, and for some homes the savings are substantial enough to significantly offset the cost of upgrades.

To actually receive these credits, you need a wind mitigation inspection performed by a certified inspector. That inspection documents your home's specific features and produces a report your carrier uses to apply the appropriate discounts — without it, carriers have to assume the home has none of these features.

The inspection is typically valid for several years, and it's one of the best return-on-investment steps a homeowner can take — both in terms of premium savings and in terms of how your home actually performs in a storm. If your roof or windows were replaced recently, or you've never had this inspection done, it's worth checking whether you're leaving credits on the table.