Protect Your Castle from Storms & Surprises
Comprehensive coverage designed for Florida homeowners. From hurricanes to hidden leaks, we've got you covered.
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. All our Florida policies include specific windstorm coverage, subject to a separate hurricane deductible.
What about flood insurance?
Flood is a separate policy. We highly recommend every Floridian consider it, as over 20% of claims come from low-risk zones.
Are older homes covered?
Yes, though homes older than 40 years may require a 4-Point Inspection to verify the roof, plumbing, and electric are safe.
How can I lower my premium?
Wind mitigation credits (like impact windows or roof clips) can save you up to 40% on your premium.
Secure Your Home Today
Don't wait for the next storm. Lock in your rate now.