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Florida has the toughest homeowners insurance market in the country, with rising premiums, carriers leaving the state, and non-renewals catching owners off guard. Whether you are insuring a new purchase, replacing a policy that was dropped, or simply paying too much, we connect you with licensed local agents who shop multiple carriers, hunt down every wind-mitigation credit, and help you find the right coverage. Tell us about your home and we will match you with a trusted agent.
Free · No Obligation
Tell us what you need and we will connect you with a vetted Homeowners Insurance professional in your area.
What's Included
Few states have a homeowners insurance market as difficult as Florida's, and understanding why helps you navigate it. Years of hurricane losses, costly roof-replacement claims, and heavy litigation pushed many national carriers to stop writing new policies here or to leave the state entirely. The companies that remain have raised rates sharply and tightened their rules about what they will insure, so Florida homeowners now pay some of the highest premiums in the country and often have fewer choices. Non-renewals have become common, where a carrier drops a policy at renewal not because of anything the homeowner did but because the company is shedding risk in a region or on roofs of a certain age. When private carriers will not write a policy, many owners turn to Citizens Property Insurance, the state-backed insurer of last resort, though Citizens has its own eligibility rules and is meant as a backstop rather than a first choice. The market has shown some signs of stabilizing as new carriers enter, but it remains tight, and the gap between overpaying and getting a fair rate often comes down to having an agent who knows which companies are currently writing, what each one wants to see, and how to position your home. That kind of current, local knowledge is exactly what a good independent agent brings, and why shopping the market through one beats calling a single national brand. We connect you with licensed Florida agents who work this market every day.
A standard homeowners policy bundles several protections, and knowing the pieces helps you avoid gaps. Dwelling coverage pays to repair or rebuild the home's structure. Other structures coverage handles detached features like a fence, shed, or screen enclosure. Personal property covers your belongings, liability protects you if someone is injured on your property, and loss of use helps with living expenses if a covered event makes the home uninhabitable. Florida adds wrinkles you need to understand. Most policies here carry a separate hurricane or windstorm deductible, usually a percentage of the home's insured value rather than a flat dollar amount, which means a major storm claim can leave a much larger out-of-pocket cost than a routine claim. Just as important, flood is not covered by a homeowners policy. Flood damage, including storm surge, requires a separate flood policy through the federal National Flood Insurance Program or a private flood insurer, and given how much of South Florida sits in or near a flood zone, this is a gap that catches people every hurricane season. The roof is another sticking point. Some carriers now pay only the depreciated, actual cash value of an older roof rather than full replacement cost, so the age and condition of your roof directly affect both what you pay and what you would collect after a loss. A licensed agent walks you through these details so you are not surprised when you need the policy most.
In a market this expensive, setting up your coverage correctly produces real savings. The single biggest lever for most Florida homes is the wind mitigation inspection. This inexpensive report documents the features that help your home resist hurricane wind, such as the roof shape, how the roof deck is attached, the roof-to-wall connections like clips or straps, and whether your openings are protected by impact glass or shutters. Florida law requires insurers to give premium credits for these features, and on many homes the discount is substantial, often far more than the cost of the inspection. Hardening the home pays off in the same way. A newer roof, impact-rated windows and doors, or code-approved shutters can lower the windstorm portion of your premium while also making the home easier to insure at all. Beyond the home itself, raising your deductible lowers the premium if you can comfortably absorb more of a smaller loss, and bundling your home and auto with one carrier often earns a discount. The least obvious but most powerful step is simply shopping the market. Because carriers price the same home very differently and frequently change their appetite, an independent agent who can quote multiple companies will often find a meaningfully better rate than you would on your own. When you request a referral, mention any recent roof work, impact windows, or shutters, since those upgrades may unlock credits you are not yet receiving.
Insurance is woven into every Florida real estate transaction, and getting ahead of it prevents closing-day surprises. If you are buying with a mortgage, the lender will require a homeowners policy to be in place, or bound, before closing, and proof of that coverage is part of the file. Start shopping early, because on older homes and in a tight market it can take time to find a carrier willing to write the policy at the price you expected. Older homes bring their own hurdles. Most carriers require a four-point inspection, covering the roof, electrical, plumbing, and HVAC, on homes roughly thirty years and up, and they look hard at the roof's age and the wind mitigation report. Issues like an aging roof, an outdated electrical panel, polybutylene plumbing, or a history of prior claims on the property can make a home difficult or expensive to insure, and discovering that during your inspection period is far better than after closing. Sellers benefit from knowing this too, since a home that is hard to insure is harder to sell, and addressing roof or system issues before listing keeps deals from falling apart over coverage. Your premium is usually collected through your mortgage escrow along with property taxes, so it directly affects your monthly payment. The licensed agent we connect you with can quote coverage early in the process and coordinate with your lender and closing so the policy is ready when you need it.
When to Call
Lenders require a policy bound before closing. We connect you with an agent who can quote early and coordinate with your lender so coverage is ready on time.
If your carrier is dropping you at renewal, an independent agent can shop the market and find a new policy before your coverage lapses.
A renewal premium that jumped is worth re-shopping. An agent can compare carriers and check for wind-mitigation credits you may be missing.
Homes around thirty years and up usually need a four-point and wind mitigation report to get covered. We match you with an agent who handles them.
A new roof, impact windows, or shutters can earn wind-mitigation credits. An agent can re-rate your policy so the upgrade lowers your premium.
Hire With Confidence
We refer licensed Florida insurance agents, favoring independent agents who can quote many carriers rather than one. That range is what finds you the best available rate in a tight market.
The right agent works with both private companies and Citizens and knows which are currently writing in your area and on your type of home, so you are not stuck with a single take-it-or-leave-it quote.
A good agent makes sure your wind mitigation report is on file and that you receive every storm-hardening credit your home qualifies for, which can save hundreds of dollars a year.
Insurance matters most at renewal and when you file a claim. We favor agents who stay reachable, review your policy each year, and advocate for you when it counts.
What Does It Cost?
Florida has the highest average homeowners premiums in the country. Depending on the home's age, location, roof, and coverage, annual premiums commonly run from about $2,500 to $6,000 or more, with coastal and older homes at the higher end and newer, hardened inland homes lower. Flood insurance is a separate policy and an added cost. Wind-mitigation credits and a higher deductible can reduce the premium meaningfully. The licensed agent we match you with shops multiple carriers to find your best available rate.
How It Works
Share a few details about your project. It takes a minute, with no cost or obligation.
We connect you with a licensed, insured local professional who serves your area.
Your pro handles the work, and we follow up to make sure you were taken care of.
Questions
Yes. Requesting an insurance quote through Pure Equity Realty is completely free with no obligation. We connect you with a licensed local agent, and you work directly with that agent on coverage and pricing.
Yes. We refer only licensed Florida insurance agents. Pure Equity Realty is a real estate brokerage, not an insurance company, so the agent we match you with handles the quoting, the advice, and the policy itself.
Years of hurricane and roof-claim losses and heavy litigation drove many carriers out of the state and pushed rates up. Fewer companies and stricter rules mean higher premiums and more non-renewals, which is why shopping the market through a knowledgeable agent matters so much here.
No. Flood, including storm surge, is excluded from a standard homeowners policy and requires a separate flood policy through the federal NFIP or a private flood insurer. Given how much of South Florida sits in a flood zone, this coverage is worth discussing with your agent.
The biggest lever is usually a wind mitigation inspection, which documents storm-resistant features your insurer must credit. A newer roof, impact windows or shutters, a higher deductible, and bundling home and auto can also help, along with simply shopping multiple carriers.
If you are financing, yes. Lenders require a homeowners policy bound before closing, and the cost is usually collected through your mortgage escrow. Even cash buyers are wise to carry coverage. Start early, since older homes can take time to insure in this market.
Get Started
Tell us what you need and we will connect you with a vetted, licensed local pro. Free, fast, and no obligation.