Homeowners Insurance in Florida That Covers What Counts

From single-family homes in Boynton Beach to condos near the coast, we help Florida homeowners find coverage that makes sense for their property, their risks & their budget.

What’s Typically Covered

A standard homeowners insurance policy helps protect:


  • Your home’s structure (from damage caused by fire, wind, hail, theft & more)
  • Detached structures like garages or sheds
  • Personal belongings inside your home
  • Temporary living expenses if you can’t live in your home after a covered event
  • Personal liability if someone is injured on your property

Add-Ons & Custom Coverage Options

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Flood Insurance

Not included in standard homeowners policies; often required in designated zones

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Windstorm or Hurricane Deductibles

These may apply separately depending on location

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Water Backup Coverage

Helps with damage from sump pump failures or backed-up drains

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Jewelry, Collectibles & Valuables Riders

Extra protection for high-value items


We’ll walk you through what your current policy does (or doesn’t) include and recommend options based on your home and location.

Florida Homeowners We Help

We work with homeowners across:


  • Boynton Beach
  • Delray Beach
  • Lake Worth
  • Boca Raton
  • West Palm Beach
  • Fort Lauderdale
  • And surrounding Florida communities

Whether you’re buying your first house, insuring a seasonal condo, or renewing after a rate hike, we’re here to help.

Common Questions About Homeowners Insurance

  • Is flood insurance included in my homeowners policy?

    No. Flood insurance is separate and often required in coastal or low-lying areas. We can check your zone and explain what’s needed.

  • What does “replacement cost” mean?

     It refers to the amount it would cost to rebuild your home as it is today — not what you originally paid. It’s typically more accurate than “market value” coverage.

  • Do I need insurance before I close on my home?

    Yes. Most lenders require proof of insurance before closing. We can work directly with your mortgage broker to get it done on time.

  • Can I bundle home & auto insurance?

    Absolutely. Bundling can lead to discounts and simpler billing. We’ll quote both to see if it’s worth it for you.

  • What if I rent out part of my home?

    You may need landlord or short-term rental coverage. Let us know how you use the space and we’ll explain your options.

Why People Choose Us for Home Insurance

Independent Access to Multiple Carriers

We compare home insurance quotes from trusted companies, helping you find better rates & fewer surprises.

Local Experience in Florida

We understand how hurricane risks, flood zones & building codes impact your policy — and we’ll help you stay covered.

Support When You Need It

 You won’t call a hotline. You’ll speak with a real agent who knows your name and takes your concerns seriously.

Let’s Protect Your Florida Home

We make it easy to review your coverage, understand your risks & get a quote that fits. 

Whether you live inland or by the beach, we’re ready to help.