Homeowners Insurance
Property insured by The Insurance Ladies.
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance in Florida is a package policy: it covers both damage to your property and your legal responsibility for any injuries or property damage you or your family cause to other people. Damage from most disasters is covered, but there are exceptions — the most significant are floods, earthquakes, and poor maintenance.
Coverages
Dwelling
Covers damage or destruction to your house in the event of a covered loss.
Personal Property
Covers the contents of your home — furniture, clothing, technology, and appliances — if damaged, stolen, or destroyed.
Liability
Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
Medical Expenses
Covers necessary medical expenses if an accident at your home causes bodily injury to someone.
Loss of Use
Covers additional living expenses if your home is uninhabitable due to a covered loss — typically 10% to 20% of your dwelling coverage.
Other Structures
Covers other structures on your property such as a garage, patio, fence, gazebo, shed, or barn.
Types of property we insure
Homeowners
Condominiums
Renters policy
Rental properties
Builders risk
Flood
Perils a standard policy typically helps cover
Theft
Fire and smoke
Windstorm
Falling objects
Frozen plumbing
Water damage from a water heater, HVAC system, or appliances
Discounts that may lower your premium
New roof or hip roof style
Impact-resistant windows
Fire safety precautions
Smoke detectors tied into a monitoring system can qualify for a discount.
Monitored fire and burglar alarm systems
Claims-free history
Living in a gated community
A note on Florida premiums
Florida homeowners premiums are among the highest in the nation and continue to rise. Finding ways to save without compromising protection can be a challenge — we help you find every discount you qualify for.
Frequently asked questions
Does Florida homeowners insurance cover flood damage?+
No — flood damage is excluded from a standard homeowners policy. You need a separate flood policy (NFIP or private) to be protected against flooding.
What discounts can lower my premium?+
A new or hip roof, impact windows, monitored fire and burglar alarms, a claims-free history, and living in a gated community can all reduce your premium.
What does a standard homeowners policy cover?+
Dwelling, personal property, liability, medical expenses, loss of use, and other structures such as a garage, fence, or shed.
Ready to get protected?
Let's talk about your coverage needs. We shop the market for the best policy at the best price.