Protect Your Castle from Storms & Surprises
Comprehensive coverage designed for Florida homeowners. From hurricanes to hidden leaks, we've got you covered.
Home Insurance snapshots in Florida
Local visuals aligned with your coverage needs — call now, schedule an appointment, or get a quote today.
Hurricane-ready protection in Florida
Call now to review windstorm options.
Roof and wind mitigation savings
Schedule an appointment for discount checks.
Flood protection add-ons
Get a quote now for flood coverage.
Local claims guidance
Contact us for coverage upgrades today.
The Invisible Shield
(Against Florida Weather)
Your home is likely your biggest investment. Our policies act like an Invisible Shield that wraps around your property:
- Rebuilds your home if a hurricane hits
- Replaces your stuff if stolen or damaged
- Pays for a hotel if you can't live there
- Protects you if someone gets hurt on your lawn
Coverage That Matches Your Home
Whether you own a house, condo, or rent, we have a plan.
Standard Homeowners (HO-3)
The gold standard for single-family homes. Covers the structure, belongings, and liability.
- Structure & Roof
- Personal Property
- Loss of Use
Condo Insurance (HO-6)
Designed for unit owners. Covers "walls-in," your upgrades, and specialized assessments.
- Interior Walls & Floors
- Assessment Protection
- Personal Liability
Flood Insurance
Home insurance does not cover floods. Don't get caught underwater.
- Rising Water Coverage
- Building & Contents
- FEMA & Private Options
What We Protect You Against
Florida throws a lot at us. We throw it right back.
Hurricanes
Fire & Smoke
Water Damage
Theft & Vandalism
Homeowner FAQs
Does this cover hurricane damage?
Yes. Florida policies include windstorm coverage, subject to a separate hurricane deductible.
What about flood insurance?
Flood coverage is a separate policy. CoverFL agents can compare NFIP and private flood options.
Are older homes covered?
Yes, but homes older than 40 years may require a 4-Point Inspection.
How can I lower my premium?
Wind mitigation credits can reduce premiums by up to 40%.
Secure Your Home Today
Don't wait for the next storm. Lock in your rate now.