Florida Homeowners Insurance — Coverage Built for Hurricane Country
Florida’s home insurance market is broken. Rates have tripled in five years, big carriers have fled the state, and the average homeowner now pays over $6,000 a year. We are an independent Jupiter, FL agency with access to every remaining admitted carrier plus Citizens and the surplus-lines markets, so we can find you the most coverage for the least money — even on older homes, homes near the coast, and homes with 4-point or wind-mit issues.
- Every admitted Florida carrier + Citizens shopped
- Wind mitigation inspections handled
- Stand-alone flood quotes via NFIP + private
- Bilingual claims advocacy when the storm hits
Free Home Quote in 60 Seconds
$1,890
Avg. savings vs prior policy
25+
Florida home carriers
24/7
Claims hotline
A+
BBB-rated agency
Why Florida homeowners insurance is so hard right now
Hurricanes Ian, Idalia, Helene, and Milton plus a decade of roof-replacement litigation have driven seven major carriers out of Florida since 2022. The remaining carriers are aggressive about non-renewing older roofs, homes within 1 mile of the coast, and homes with prior claims. The path to a reasonable premium today is (1) a current wind mitigation inspection, (2) a clean 4-point inspection on homes over 30 years old, and (3) an agent who knows which carriers are actually writing new business this quarter.
Dwelling (Coverage A)
Rebuilds your home if it burns, blows away, or is destroyed by a covered peril. Should reflect today’s rebuild cost — not market value, not what you paid. We re-run replacement cost calcs annually because Florida construction costs jumped 35% in three years.
Other Structures (Coverage B)
Detached garages, sheds, fences, pool cages, docks, gazebos. Florida’s pool-cage exposure alone justifies a careful look at this number — a screen enclosure can cost $25,000+ to replace.
Personal Property (Coverage C)
Furniture, electronics, clothing, art, tools. Most policies default to 50–70% of dwelling. We help you decide between replacement cost vs. actual cash value (always pick replacement cost if you can).
Coverage details that matter
Loss of Use (Coverage D)
Pays for hotels, restaurants, and rental housing if you cannot live in your home after a covered loss. Critical in Florida — post-hurricane displacement often runs 6–12 months.
Liability (Coverage E)
If someone is hurt on your property or you or a family member cause injury elsewhere. Florida’s litigious environment means $300K minimum recommended, and an umbrella policy on top.
Hurricane / Wind Deductible
Separate from your standard AOP deductible. Usually 2%, 5%, or 10% of dwelling. We model the cash-flow trade-off so you know exactly what comes out of pocket before insurance kicks in.
Wind mitigation can cut your premium by up to 45%
A wind mitigation inspection documents the construction features that make your home more hurricane-resistant — roof shape, roof-to-wall connections, opening protection, secondary water resistance. Most homes built after the 2002 Florida Building Code qualify for major credits. We pay for the inspection up front for many clients because we know what the savings will be.
- Roof shape (hip vs. gable)
- Roof deck attachment (nails vs. staples)
- Roof-to-wall connections (clips, straps, double-wraps)
- Opening protection (impact windows, shutters)
- Secondary water resistance (peel-and-stick underlayment)
- Roof covering and age
Flood is not in your homeowners policy — ever
Every standard Florida home policy excludes flood. If a hurricane storm surge or a freshwater flood damages your home, your homeowners insurance pays zero. You need a separate flood policy through either the National Flood Insurance Program (NFIP) or the growing private flood market. We shop both — private flood is often cheaper and offers higher limits than the NFIP $250K cap.
- NFIP coverage up to $250K building / $100K contents
- Private flood with higher limits and replacement cost
- Excess flood for high-value homes
- Preferred Risk Policies for low-flood-zone homes (around $500/yr)
Frequently asked questions
Why did my Florida home insurance premium go up so much?
Florida has been the most expensive home insurance state in the U.S. for several years because of hurricane losses, roof-replacement litigation, and reinsurance costs. The good news: legislative reforms in 2022–2023 stabilized many carriers, and 2025 has been the first year in five with meaningful new carrier appetite. Shopping the entire market is now more valuable than ever.
Do I have to insure my home for replacement cost?
Yes if you have a mortgage — your lender requires it. Even without a mortgage, replacement cost (not market value) is what matters: it’s what it would actually cost to rebuild today using current labor and materials. Florida construction costs jumped roughly 35% from 2020 to 2024, so we re-run rebuild estimates annually to make sure clients are not underinsured.
Will Citizens insure my home?
Citizens Property Insurance is Florida’s state-backed insurer of last resort. To qualify, your home must either be unable to find coverage in the private market, or the private quote must be more than 20% higher than the Citizens rate. We can quote both Citizens and private carriers and let you compare side by side — but private is almost always preferable when it is available at a reasonable rate.
How much is hurricane insurance in Florida?
Hurricane (wind) coverage is built into your standard home policy in Florida — there is no separate “hurricane insurance” product. What you pay depends on location (coast vs. inland), wind mitigation, roof age, and dwelling limit. Coastal Palm Beach and Martin County homes commonly run $4,000–$12,000 per year on a $400K rebuild value. Inland homes can be half that.
Is my roof too old to insure?
Most Florida carriers will not write a new policy on a roof older than 15 years (10 years for some). If your roof is older but functional, we can usually still place coverage through Citizens or the surplus-lines market while you plan your roof replacement. After replacement, we re-shop you into a preferred carrier with significantly lower premiums.
What is a 4-point inspection?
A 4-point inspection covers your roof, electrical, plumbing, and HVAC systems. Most Florida carriers require one on homes 30+ years old before they will write a new policy. The inspector flags any safety or insurability issues so you (and we) know what to fix before binding coverage.
Should I get a hurricane deductible buy-down?
A hurricane deductible buy-down policy reduces your out-of-pocket exposure from, say, $20,000 (5% of $400K dwelling) to $2,500. It typically costs a few hundred dollars a year. For clients who do not have $20K liquid for a storm deductible, it is one of the best dollar-for-dollar buys in Florida insurance.
Do you write home insurance outside of Jupiter?
Yes. We are licensed nationwide. While much of our home book is in Palm Beach, Martin, Broward, and Miami-Dade counties (because that’s our backyard), we write Florida home policies statewide and home policies in many other states for relocating clients.
Get a fair Florida home insurance quote in 60 seconds
Tell us about your home and we will shop every admitted Florida carrier, plus Citizens, plus private flood — and call you back with real options the same day.