Personal Lines Coverage
Comprehensive protection for your home and everything in it — tailored for South Florida's unique risks including hurricanes, flooding, and liability.
Your home is likely your most valuable asset. Homeowners insurance protects you against losses from fire, theft, liability, and the severe weather events common in South Florida. As an independent agency, we shop across 100+ carriers to find the right coverage at the best price — including Citizens, Universal, and many others.
Anyone who owns a primary residence in Florida needs homeowners insurance — and most mortgage lenders require it.
Condo unit owners need HO-6 coverage to protect their interior, personal property, and liability beyond the HOA master policy.
Purchasing a home? We can bind coverage quickly so your closing isn't delayed.
Own a rental? A landlord policy (DP-3) covers the structure and your liability as a property owner.
Luxury homes require specialized carriers and higher limits — we work with markets that specialize in high-value properties.
Homes near the coast face unique wind and flood risks. We help you navigate Citizens and private market options.
No — standard homeowners policies exclude flood damage. Flood insurance is purchased separately through the NFIP or private carriers. We can help you get both.
Florida policies often have a separate hurricane deductible — typically 2–5% of your home's insured value — that applies when a named storm causes damage. We'll explain exactly what yours means.
Replacement cost is the amount needed to rebuild your home at current construction costs — not its market value. We use industry tools to calculate an accurate estimate.
Yes, though carriers have different rules. Some require a roof under 15–20 years old for full replacement cost. We work with carriers that have flexible roof guidelines.
Our licensed advisors will find you the best rate across 100+ carriers. No obligation, no pressure — we speak English and Spanish.