Home Insurance in Florida: Compare Your Options

Ask which discounts are available and what documentation the carrier requires. A wind mitigation report can document features for review of potential wind credits. Eligibility, documentation and savings vary by carrier.

Your home’s location, age, construction, roof, replacement-cost estimate and inspection results can affect pricing. Coverage limits, deductibles, insurance history and carrier guidelines also matter. We compare options available for your home so you can review both coverage and price.

Ask us to review available discounts, your wind mitigation report and any recent home improvements. We can also compare deductible options and available carriers. A higher deductible may lower your premium but increases your potential out-of-pocket responsibility. Savings depend on your home and the carrier.

We can review available options. Confirm that your new policy is in place and its effective date is correct before canceling the existing policy to avoid a gap in coverage.

Standard homeowners insurance does not include flood coverage. Ask about a separate flood policy and review your existing policy for any flood endorsement.

Review the coverage limits, deductibles, exclusions and optional endorsements. Ask about inspection requirements and how the home must be occupied. Once you choose an option, we will review the details with you by phone and guide you through the next steps.

Some changes may be available during your policy term, subject to the carrier’s approval. Contact us about the change you need so we can review the options, any premium adjustment and the effective date. A request alone does not change your coverage.

Contact your insurance company promptly to confirm the policy status and payment options. Do not assume a grace period applies.

Your policy may have special limits for items such as jewelry, art and collectibles. Tell us about any valuable items you want to insure so we can review the policy’s limits and any available additional coverage.

Homeowners insurance generally does not cover normal wear and tear or routine maintenance. Other exclusions and limitations vary by policy, including those that may apply to certain types of water damage. Review your policy and ask us about available endorsements.

Review your policy before renewal and whenever your home or circumstances change. Contact us about renovations, a new roof, occupancy changes or mortgage-company updates so we can help you review whether your policy information needs to change.

Have your property address, year built, square footage, roof age and material, and occupancy details ready. Tell us whether the home is your primary residence, used seasonally or rented to others. Existing policy information, available inspection reports and details about plumbing pipe types, electrical, heating and cooling systems may also help. Let us know your renewal or closing date.

Review each deductible in your quote, including any hurricane deductible. A higher deductible may reduce the premium but increases your potential out-of-pocket responsibility. Compare the amounts you could comfortably manage.

Each carrier has its own pricing and eligibility guidelines. Quotes may also differ in coverage limits, deductibles and endorsements. We help you compare those details alongside the premium so you can choose from options available for your home.