Homeowners Insurance in Florida

Protection That Feels Like Home

Smart Coverage From a Local Independent Agency That Understands Florida Living

At FLORIDA WE INSURE AGENCY, we know your home is more than a place — it’s your biggest investment, your family’s safe haven, and your peace of mind. That’s why we offer homeowners insurance tailored to Florida’s risks — storms, hurricanes, flooding, and more — through 30+ top-rated carriers.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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What Your Florida Homeowners Insurance Should Cover

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Structure (Dwelling) Coverage

Protects your home’s physical structure — walls, roof, windows, and foundation — against fire, wind, hail, lightning, and other covered events.

Other Structures

Covers buildings on your property not attached to your home, like sheds, detached garages, and fences.

Personal Property

Covers furniture, electronics, appliances, and valuables inside your home if they’re damaged or stolen.

Loss of Use / Temporary Living Expenses

Covers hotel stays, meals, and living expenses if your home becomes uninhabitable due to a covered claim.

Liability Protection

Covers legal costs if someone is injured on your property or if you accidentally cause damage to others’ property.

Medical Payments to Others

Pays for medical costs if a guest is hurt at your home — regardless of fault.

Add-ons

Add-Ons That Matter for Florida Homeowners

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Hurricane Deductible Adjustments

Customize your deductible for hurricane-specific events — essential in coastal areas.

Flood Insurance (Separate Policy)

Protect your home from water damage due to rising water or storm surge — not covered by standard policies.

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Sinkhole & Catastrophic Ground Collapse

Extra protection in areas prone to geological shifts or sinkhole activity.

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Scheduled Personal Property

Coverage for high-value items like jewelry, art, antiques, or collectibles beyond normal policy limits.

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Equipment Breakdown

Helps cover sudden breakdown of home systems like HVAC, water heaters, or built-in appliances.

Ask About Custom Add-Ons for Florida Homes

Florida’s weather — from hurricanes to lightning storms — puts homes at risk. But it’s not just natural disasters: break-ins, accidents, or even liability claims can have financial consequences.


At FLORIDA WE INSURE AGENCY we make sure your policy reflects real-life risks, with personalized coverage that gives you peace of mind — whether you’re protecting your family’s primary residence or a seasonal vacation home.

Why Choose Florida We Insure Agency for Homeowners Insurance?

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30+ Florida Carriers Compared

We shop top insurers like Travelers, Safeco, Universal, and more to get you the best protection and price.

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Built for Florida’s Weather & Risks

We understand hurricane zones, flood maps, local claims trends, and how to protect against the state’s unique exposures.

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Annual Policy Remarketing

Each year, we re-shop your policy to make sure you’re still getting the best value without lifting a finger.

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Free Legal Support for Claims

If your claim is delayed or denied, our in-house legal team fights on your behalf — at no cost to you.

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Real Florida Agents, Real Service

Talk to someone who lives where you do and understands what coverage you actually need.

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Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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Homeowners Insurance FAQs

  • Is homeowners insurance required in Florida?

    It’s not legally required, but mortgage lenders typically require it. Even without a loan, it’s essential to protect your investment.

  • Does home insurance cover flood damage?

    No — flood coverage must be purchased separately. We’ll help you determine if you need it based on your location.

  • What about hurricane coverage?

    Most Florida home policies include hurricane coverage, but with a separate deductible. We’ll walk you through what’s included and help you adjust if needed.

  • Can I bundle home and auto insurance?

    Absolutely — and it often saves you money. We’ll compare bundle options from multiple carriers for maximum value.

  • What if I own a second home or rental property?

    We can help you insure vacation homes, short-term rentals, and long-term investment properties — tailored to how you use the home.

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Service areas

Areas We Serve — Florida Homeowners Insurance

We help homeowners, landlords, and second-home owners across Florida:

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Homeowners Insurance in St. Augustine, FL

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Homeowners Insurance in Jacksonville, FL

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Homeowners Insurance in Tampa, FL

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Homeowners Insurance in Sarasota, FL

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Homeowners Insurance Across Florida

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Let’s Protect What You’ve Built

Your home is where life happens. Protect it with the right insurance, built for Florida living. Let’s find a policy that fits your needs, your budget, and your future.