Homeowners Insurance

We've been helping South Florida homeowners find the right coverage since 1993 — not by running quotes through an algorithm, but by picking up the phone and talking it through with you.

 

Florida's homeowners insurance market is one of the most complicated in the country. Carriers come and go, rates shift after every storm season, and what worked for your neighbor's policy might not work for yours. We represent multiple markets, so we can shop your coverage across carriers and come back to you with options that actually fit your home and your budget.

 

Every policy we write is handled in-house, start to finish. No call centers, no outsourcing, no getting passed around. When you call our office, a real person answers.

What a Homeowners Policy Actually Covers

A standard homeowners policy is built around a few core protections — and understanding what's included (and what isn't) saves a lot of frustration at claim time.

 

  • Dwelling coverage pays to repair or rebuild your home's structure if it's damaged by a covered peril — wind, fire, lightning, and more.
  • Personal property coverage covers your belongings: furniture, electronics, clothing, and other contents inside the home.
  • Liability protection covers you if someone is injured on your property or you're found responsible for damage to someone else's property.
  • Additional living expenses pay for temporary housing if your home becomes uninhabitable after a covered loss.
  • Other structures covers detached garages, fences, and similar structures on your property.

 

One important note for Florida homeowners: standard policies do not cover flood damage. That's a separate policy entirely, and it's one we can help you with.

 

We also offer flood insurance as a separate line of coverage — through both NFIP writers and private flood markets — so we can find the right fit for your property.

Florida Homeowners Insurance Has Its Own Rules

If you're new to Florida — or you've been here long enough to remember when coverage was simpler — you already know this market doesn't behave like the rest of the country.

 

Wind mitigation credits, roof age requirements, Citizens eligibility thresholds, assignment of benefits issues — these aren't abstract policy concepts. They show up in your premium, your coverage terms, and your ability to get a claim paid. We stay current on how the market is moving so you don't have to become an expert just to buy a policy.

 

We've been doing this in Broward County for over 30 years. We know which carriers are stable, which ones are writing here right now, and how to position your home to get you the best available terms.

Let's Talk About Your Coverage

Over the past several years, a number of major carriers have reduced their Florida footprint or stopped writing new policies in the state altogether. That's left a lot of homeowners scrambling — and many ending up with Citizens Insurance, Florida's insurer of last resort, not by choice but by default.

 

Citizens has a role, but it shouldn't be your only option. As an independent agency, we maintain active relationships with multiple Florida-admitted carriers and private market options. We've navigated every market cycle since 1993, and when one carrier's door closes, we know where to look next.

 

  • We represent multiple Florida-admitted carriers — not just one
  • We compare rates across carriers at renewal, not only when you first sign up
  • We handle every policy in-house; nothing is outsourced
  • We've been placing Fort Lauderdale home insurance through hard markets before

How We Work With You on Home Coverage

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1. Review Your Current Coverage

We start by looking at what you have — or what you've been offered — and identifying gaps, overexposure, or coverage terms that may not hold up in a claim.

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2. Shop Your Options

We compare rates and terms across our carrier relationships to find coverage that fits your home, your neighborhood, and your budget. You don't have to call around. We do it.

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3. Walk You Through the Policy

Before anything binds, we explain what's covered, what's excluded, what your hurricane deductible means in real dollars, and when you'd need a separate flood policy. No surprises later.

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4. Stay With You at Renewal

Florida's market shifts year to year. We review your coverage at renewal and reshop when it makes sense — so you're not locked into a carrier that's no longer competitive.

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Frequently Asked Questions About Homeowners Insurance

  • How much homeowners insurance do I need in Florida?

    Your dwelling coverage should be enough to fully rebuild your home at current construction costs — not just its market value. We'll help you work through the right coverage limits for your specific property so you're not underinsured when it matters most.

  • Does homeowners insurance cover hurricane damage in Florida?

    Wind damage from hurricanes is typically covered under a standard homeowners policy, but most Florida policies carry a separate hurricane or windstorm deductible. This deductible is usually a percentage of your insured value rather than a flat dollar amount, so it's worth understanding before a storm hits.

  • Is flood insurance required in Florida?

    If your home is in a designated high-risk flood zone and you have a federally backed mortgage, flood insurance is required. Even if it's not required for your property, we strongly recommend it — standard homeowners policies don't cover flood damage, and South Florida's risk is real.

  • Can I switch homeowners insurance carriers mid-policy?

    Yes. You can switch at any time, and we can help you compare your current coverage against what's available in the market right now. If there's a better fit out there, we'll find it.

  • What's the difference between an independent agent and a captive agent?

    A captive agent works for one carrier and can only offer that company's products. As an independent agency, we work with multiple carriers — which means we can shop your coverage across the market and bring you options, not just one take-it-or-leave-it quote.

Get Your Quote Today

If you're buying a home, renewing a policy, or just not sure your current coverage is doing its job, give us a call. We've been helping Fort Lauderdale homeowners work through this since 1993, and we're happy to do the same for you.