Florida Property Insurance Made Simple

Florida property insurance can be complex, with unique requirements and strict underwriting guidelines. Our team is here to guide you through every step, making the process clear, organized, and stress-free.

Property Types We Insure

We provide coverage solutions for a wide range of properties, including:

Manufactured and mobile homes

Single-family homes

Condominiums

Townhomes

Duplexes and multi-family properties

Rental and investment properties

Florida Property Insurance – Frequently Asked Questions Why is property insurance in Florida so complicated?

Florida faces unique risks such as hurricanes, windstorms, flooding, and higher claim activity. Because of this, insurance companies have stricter requirements, inspections, and underwriting guidelines to ensure properties meet safety standards.

What types of properties do you insure?

We insure a wide range of properties, including:

• Single-family homes
• Condominiums and townhomes
• Duplexes and multi-family properties
• Rental and investment properties
• Manufactured and mobile homes

What information do I need to get a quote?

To provide accurate options, we typically need:

• Property address and county
• Year built and square footage
• Roof type and age
• Construction type
• Occupancy type (primary, secondary, or rental)
• Prior insurance and claims history

What is a 4-Point Inspection?

A 4-Point Inspection reviews four major systems of your home:
Roof, Electrical, Plumbing, and HVAC.
Many Florida insurance carriers require this inspection, especially for older homes, to determine eligibility.

What is a Wind Mitigation Inspection?

A Wind Mitigation Inspection documents wind-resistant features of your home, such as roof shape, roof-to-wall attachments, and opening protections. This inspection may qualify you for valuable discounts on your policy.

Do I need both inspections?

In many cases, yes. Some insurance companies require both a 4-Point and a Wind Mitigation Inspection, while others may only require one. We will guide you based on your property and the carrier requirements.

What documents are required to start the process?

Depending on your situation, we may request:

• 4-Point and Wind Mitigation inspection reports
• Prior insurance declaration page
• Photos of the property (interior, exterior, and roof)
• Identification for the named insured
• Closing documents for new purchases

Do you help with inspections and paperwork?

Yes. We guide you through the entire process, including scheduling inspections, reviewing reports, and submitting all required documentation to the insurance carrier.

Can you help with flood insurance?

Absolutely. Flood insurance is separate from standard property insurance, and we help determine your flood zone, coverage options, and whether flood insurance is recommended or required.

What factors affect my Florida insurance premium?

Premiums can be influenced by:

• Roof age and type
• Property location and distance from the coast
• Inspection results
• Claims history
• Deductible choices
• Wind and flood risk

What if my policy was canceled or non-renewed?

We work with multiple carriers and specialty markets and may be able to help even if your policy was canceled or non-renewed. Every situation is different, and we’re here to review your opti