what we do
Florida Homeowners Insurance You Can Rely On
When Protecting Your Home Feels Complicated
Home insurance in Florida can feel costly and confusing — with hurricanes, windstorms, flooding, and carrier changes shaping the market every year. Many Florida homeowners pay some of the highest premiums in the country, and policies often vary widely between carriers. That’s why understanding your dwelling coverage, windstorm deductibles, and optional protections is essential. We’re here to help you navigate these challenges with clear guidance and strong coverage options tailored to your home in Jupiter, Palm Beach County, and across Florida.
What’s Included in a Florida Homeowners Policy
Dwelling Coverage
Protects the structure of your home against fire, wind, hurricanes, and other covered losses. Policies in Florida often include a separate hurricane deductible.
Personal Property Coverage
Covers your belongings — furniture, electronics, clothing, and valuables — whether damage occurs at home or away.
Liability Protection
Provides coverage if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Additional Living Expenses
Helps pay for temporary housing and related costs if your home becomes uninhabitable due to a covered loss.
Windstorm / Hurricane Coverage
Generally included in Florida policies but may come with its own deductible. We help you understand your options and compare carriers to avoid coverage gaps.
How We Help You Secure the Right Protection
We start by learning about your home, budget, and coverage needs — then compare options across multiple Florida carriers. We explain hurricane deductibles, roof eligibility, inspection requirements, and discounts in plain language. You get honest recommendations designed to avoid underinsurance and unnecessary risk. Whether you own a coastal Jupiter home or a property elsewhere in Palm Beach or Martin County, we tailor protection to your local conditions.
Our Process
1
Review your home details, location, and coverage goals
2
Compare policies from multiple insurers for pricing and protection
3
Identify discounts (including wind mitigation credits)
4
Recommend coverage limits that align with your home value and risk
Comparing Key Florida
Home Insurance Options
Many Florida homeowners have questions about what type of coverage they need — especially regarding windstorms, hurricanes, and flood protection. The table below helps clarify some of the most common comparisons and decisions Florida property owners face.
| Coverage Type | What It Includes | When You Need It | Key Notes |
|---|---|---|---|
| Standard Homeowners Insurance | Dwelling, personal property, liability, hurricane/wind coverage | Required by most mortgage lenders | Includes hurricane deductible; does not include flood insurance |
| Windstorm / Hurricane Deductible Options | Percentage-based deductibles for named storms | Every Florida homeowner | Lower deductibles increase premiums; higher deductibles reduce monthly cost |
| Flood Insurance (NFIP or Private) | Covers flood damage from storm surge, heavy rain, rising water | Homes in flood zones or coastal areas | Separate policy required; often recommended statewide |
| Citizens Insurance (State Program) | Coverage for homes when private carriers decline | Certain high-risk or hard-to-insure homes | Must meet eligibility requirements; some coverage limitations apply |
Not sure which option fits your home? Contact us today for guidance based on your property and location.
Common Questions About Florida Homeowners Insurance
How much is homeowners insurance in Florida?
Premiums vary based on home age, location, construction, roof type, and insurance carrier. Florida’s statewide rates are among the highest in the U.S. due to hurricane exposure and market changes. We compare multiple carriers to help you find competitive pricing.
Does a homeowners policy cover hurricanes and windstorms?
Yes — most Florida policies include windstorm and hurricane protection. However, they often come with a separate percentage-based deductible. We help you understand your options and choose the right deductible level.
Do I need flood insurance in Florida?
If your home is in a flood zone, your lender may require it. But many Florida homeowners choose flood coverage even when it’s optional due to heavy rainfall and storm surge risks. Flood coverage is always purchased separately from homeowners insurance.
Can you help lower my premiums?
Often, yes. We look for wind mitigation credits, roof discounts, carrier-specific incentives, and policy bundles that may reduce your cost. We also ensure you’re not over-insured or under-insured.
What if my roof is older?
Many Florida carriers have strict roof eligibility guidelines. We’ll help you understand your options, whether your roof needs documentation, inspection, or qualifies under updated rules.
Let’s Get Your Home Covered
Protect your home with a Florida homeowners insurance policy tailored to your location and needs. Our Jupiter-based team proudly serves families across Florida & Beyond with honest guidance and dependable support.
1
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