Home Insurance
Your home is your biggest investment. We make sure it's classified correctly and covered completely — from the roof to the foundation.
Classification Matters More Than You Think
In Florida, the difference between a 'frame' home and a 'masonry' home can mean thousands of dollars in premiums — and the difference between being covered or not. We verify your home's construction type, roof age, and wind mitigation features before placing your policy. If your current insurance has it wrong, we fix it.
Florida-Specific Coverage
Hurricane deductibles, sinkhole coverage, flood zones, and wind exclusions — Florida homeowners face unique risks. We help you understand what's included in your policy, what's excluded, and what you should add. No surprises when you file a claim.
Flood Insurance Is Separate
Many homeowners don't realize that standard home insurance does NOT cover flood damage. Even if you're not in a high-risk zone, one inch of water can cause $25,000 in damage. We help you determine if flood insurance is right for your property and find the best rate.
What's Covered
- Dwelling Coverage
- Personal Property
- Liability Protection
- Loss of Use / Additional Living Expenses
- Hurricane & Wind Coverage
- Flood Insurance (separate policy)
- Sinkhole Coverage
- Condo / HO-6 Policies
- Renters Insurance
- Wind Mitigation assessment to reduce premiums
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