How buying a home in Florida works, the insurance part
Your lender will require proof of homeowners insurance (and flood insurance, if the home sits in a high-risk flood zone) before closing. In Florida, the premium is often one of the bigger line items in your monthly payment, and it varies a lot from carrier to carrier for the same house. That's why shopping the market matters, and why we do it for you.
What we handle for you
- Quotes from 70+ carriers One conversation gets you competitive options for homeowners, condo, flood, wind, and umbrella coverage from every A-rated carrier writing in Florida, side by side, explained in plain English.
- The lender's paperwork We send the evidence of insurance, mortgagee clause, and binder directly to your lender and title company, and we answer their questions so you don't have to.
- Inspection reports, decoded The 4-point and wind-mitigation inspections affect what you'll pay and which carriers will write the home. We review them with you and flag anything that could affect insurability before it becomes a closing-week surprise.
- Flood, answered early We check the flood zone and turn around a flood figure quickly, NFIP and private options, so the number is in your budget before you're at the closing table.
- A dedicated agent after closing The same licensed agent stays on your file at renewal and claim time. We re-shop your policy at renewal and flag potential savings.
What to send us
The property address, your target closing date, and, once you have them, the 4-point and wind-mitigation inspection reports. If you already have a policy on another home, the declarations page helps too. That's enough for us to start shopping.
Ready to start?
Start a free quote → · Call (727) 584-9999 · Back to our Realtor program