Protecting the Setting of Your Story.
Florida real estate is more than an investment; it’s where your life happens. We help you navigate wind, water, and the fine print to ensure your home is truly secure.
Our Coverage Menu
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The standard for single-family homes. We review your "Replacement Cost" annually to ensure inflation doesn't leave you underinsured.
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Condo associations cover the outside; you are responsible for the inside (the "walls-in"). We make sure your policy meshes perfectly with your HOA’s master policy so there are no gaps.
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Your landlord insures the building, not your stuff. Protect your furniture, electronics, and wardrobe—and get liability coverage that travels with you.
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If you rent out your home, a standard homeowner's policy generally won't cover you. You need a Dwelling Fire policy.
DP-3 (Landlord): Comprehensive coverage for long-term rentals. Includes "Loss of Rents" to protect your income if a storm leaves the unit unlivable.
DP-1 (Basic): Essential coverage for vacant homes, fixer-uppers, or properties under renovation.
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Standard home insurance does NOT cover flood damage. In Tampa Bay, water is our neighbor. Whether from storm surge or heavy rain, rising water is excluded from most policies.
We compare both: The government option (NFIP/FEMA) and Private Market carriers (which often offer higher limits) to find you the best protection.
How We Review Your Policy
When we review a quote or existing policy, here are some of the thing we look for, the missing details that other agents ignore:
Roof Payment Schedule: Is your policy set to pay full replacement cost for your roof, or does it depreciate based on age? This "ACV Roof" clause is becoming common in Florida, and we help you spot it.
Ordinance or Law: If your home is damaged, will your policy pay to upgrade it to the current 2026 building codes?
Loss of Use: If a storm displaces you, do you have enough coverage to rent a comfortable home while yours is rebuilt?
Screen Enclosures: Most standard policies exclude pool cages from hurricane coverage. We check to make sure your lanai is actually protected from the wind.
Frequently Asked Questions
Still have questions? Take a look at the FAQ or contact us anytime.
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A: Yes. Over 20% of all flood claims come from "low-risk" zones (Zone X). In Florida, if it rains, it can flood.
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A: Inflation, reinsurance costs, and litigation have driven up rates across the state. Thankfully, this is relaxing, but the best way to combat this is to re-shop your rate annually, which we do for you automatically.
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A: It’s a report that proves your roof has certain features (like hurricane clips and/or water barriers) that protect against windstorms. It can save you hundreds (or thousands) on your premium. We can recommend trusted inspectors to help you get these credits.
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A: Likely, yes. Most carriers in Florida require a 4-Point Inspection for older homes. This report checks the condition of your Roof, Electrical, Plumbing, and HVAC systems. If you are buying a historic bungalow in Seminole Heights or Old Northeast, this is virtually mandatory. We can refer you to trusted inspectors to get this done.
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A: Sometimes, but not always. Florida’s market is unique; often the best Home insurance carrier doesn't sell Auto insurance (and vice versa). As an independent broker, I run the math both ways, bundled vs. separate, to see which setup actually saves you more.
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A: Unlike your standard deductible (which is a flat amount like $2,500), a Hurricane Deductible is usually a percentage of your home's insured value. For example, if your home is insured for $500,000 and you have a 2% deductible, you are responsible for the first $10,000 of damage in a named storm. We help you choose a deductible that fits your emergency savings.
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A: It depends on the "fine print" you select. Many Florida policies now use a "Roof Payment Schedule" (Actual Cash Value) for roofs over 10 years old, meaning they only pay what the old roof is worth, not the cost to replace it. We always prioritize finding you Full Replacement Cost coverage whenever available.