Easy, low-cost, and worry free. GreatFlorida Homeowners Insurance.

I want        insurance.
My Zip code is
Homeowners Insurance Quotes in FLorida
Homeowners Insurance Mobile Quotes

Homeowners Insurance FloridaHomeowner's Insurance Florida - FAQs

Homeowner's Policy Coverages

A Florida Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 888-478-7801 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, 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 Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect Florida Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your Florida Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your Florida Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your Florida Homeowner's Insurance premium.

Personal Factors — What you do can affect your Florida Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a Florida Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on Florida Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in Florida.

Payment Options

In many instances your Florida Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 888-478-7801 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

Get a Quote Online
Call 888-478-7801

About Homeowner's Insurance in Florida

GreatFlorida Insurance agents can easily explain the specific needs of your home in Florida. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in Florida, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in Florida will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Homeowners Insurance Florida Blog
by GreatFlorida Insurance

You know the drill when a storm is coming. Secure outdoor furniture and stock up on batteries, water and non-perishable food items.

GreatFlorida Insurance regularly compiles storm safety tips for our readers,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency. “Weather is unpredictable despite our best efforts and we want to help people be safe.”

While you are familiar with precautions to heed during a storm to ensure your safety, do you know what NOT to do during a storm? Florida Today, spoke with emergency management officials about activities to avoid during a storm to give you, your family and first responders an easier time while riding out the storm.


  • Use a charcoal grill in the house or garage and you could end up with carbon monoxide poisoning. The same goes for gas powered generators.
  • Also, don’t connect generators directly to your home’s electrical system. It can electrify lines outside and endanger your neighbors and utility workers.
  • Stay home after an evacuation is ordered. Rescue workers will not try to reach you at the height of a storm.

“Consequently, some people stay home during an evacuation to protect their home or valuables, but it is not worth it. Let homeowners insurance do its job,” says Buck with GreatFlorida Insurance.

  • Go for a ride or walk outside. Dangerous conditions causing flooding, flying debris and falling trees could force emergency management workers from other pressing duties.
  • Visit the ER for minor injuries or illness
  • Mess with downed power lines
  • Drain your pool. The water table can rise from rain and force the pool up, out of the ground.
  • Be careless or forget about candles
  • Approach animals wandering around after a storm. Even docile pets can be unnerved by a storm and could bite.
  • Bring guns, alcohol or pets to a public shelter.
  • Lose your cool. Stores will be crowded, gas lines long, and people will be anxious and tempers will be short.
  • Venture into the ocean or lagoon. There are always adrenaline junkies wanting to challenge the force of Mother Nature in the water, but it is a battle you rarely win.

To find out the latest information on Florida weather, evacuations, school and government closures and more, check out the Florida Division of Emergency Management.

When a storm hits, it is too late. Let GreatFlorida Insurance secure a dependable and affordable homeowners insurance plan for you.


The post Don’t Do This During a Storm appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

It’s fall, but you are in Florida. Despite the calendar date, when you wake up tomorrow, you will experience no change in the weather. It is difficult to get enthusiastic about the first day of autumn when it is still 90 degrees outside.

“Florida experiences a slight change of seasons,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency. “Fall means we can soon go outside without getting overwhelmed by the heat.”

While the season is changing, there is no need  for layered clothing despite retailers’ best efforts to sell puffy vests. Not to mention, pumpkin is in every other food product but you are thinking, “Do they make pumpkin flavored iced drinks?”


In spite of a slow start to cooler temperatures, rest assured they are coming. Fall in Florida is the best time to enjoy outside activities and there is no shortage of them. Listed below are some ideas to get the family out of the house and celebrating a new season.


Fall Festivals-Food, wine and beer, music and art festivals are happening every weekend throughout the state in the fall.

Fall foliage- North and central Florida boasts fall foliage around the first week in November. The colored leaves will certainly put you in the mood for fall and is worth the drive to one of these parks:

Torreya State Park

Ormond Scenic Loop and Trail

Edward Ball Walkulla Springs State Park

Boost curb appeal. Rake up a few leaves, collect pine cones from your yard and decorate your front door

Grab some local produce and other products from an area farmer’s market.


Apple picking– Yes in Florida.

Go for a hay ride

Get lost at a corn maze

Visit a pumpkin patch


Football Games-There is no problem finding high school, college and pro games throughout the state.

“One of the most anticipated moments in Florida is when windows are opened in the house,” reminds Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency. “Remember to adjust your thermostat appropriately to save on energy costs.”

Ultimately, it will cool off and when winter arrives, there is no place like Florida.

GreatFlorida Insurance offers the best rates on homeowners insurance for personal property and liability coverage for your home. Give us a call today!


The post Enjoying Fall in Florida appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Florida historically experiences the most severe weather over the next eight weeks. August through October is peak hurricane season. Recent tropical activity serves as a reminder of the importance of preparing.

“Seeing the recent devastation in Louisiana, and hearing the heartbreaking stories of loss, will hopefully prompt Floridians to review their insurance policy,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency. “Insurance is designed to help people rebuild their lives.”

Consequently, this is an ideal time for people to contact their homeowners or renters insurance agent to review their coverage. The Insurance Information Institute, III reports that most insurers will not allow changes to be made to insurance policies once a hurricane watch or warning is issued by the National Hurricane Center.


Therefore, it is wise and will put your mind at ease knowing the following information about your renters insurance or homeowners insurance policy. Some questions to ask your agent are as follows:

What is covered?

Is coverage provided for any upgrades or new possessions?

What is the current deductible?

Do I have enough to rebuild my home or replace my belongings?

GreatFlorida Insurance can provide flood insurance to policyholders through the National Flood Insurance Program NFIP. A local GreatFlorida Insurance agent will help you find flood insurance. Protecting your most valuable asset from the most common form of destruction.

Consequently, flooding is the leading cause of disaster in the United States. Florida residents file more flood insurance claims than any other state. Mere inches can cause thousands of dollars’ worth of damage to your home.

You do not have to live in a high risk flood zone to experience damage. 25 percent of flood insurance claims come from low or medium risk communities.

Unfortunately, many homeowners are under the false assumption that their homeowners insurance would cover loss due to flooding in the home. Flood insurance is not included in a  homeowners policy and must be purchased separately.

Also, many homeowners assume they can collect federal disaster assistance if a flood occurs.  It is only offered when the president declares a major disaster which only happens in half of all flooding situations.


The post Storm Activity Necessitates Insurance Check appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Floridians can privately possess everything from alligators to zebras as long as they have a permit. In most cases, neighbors are not legally required to disclose what kind of pets they are housing.

“Exotic animals, like most animals, are curious and unpredictable,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

This impulsive and characteristic behavior can lead to animals escaping and exploring their area, putting neighbors on high alert. Some recent cases include the following:

Last year a woman found her neighbor’s eight foot King Cobra coiled up and hissing under her clothes drier.

A Miami woman was recently attacked by a neighbor’s pet Lemur. The animal caused scratches and bites requiring stitches.

A two-year-old Florida child died after she was strangled by a pet python after it escaped from an aquarium in the home.

While these cases are rare, unfortunate incidents involving exotic pets do occur. News 6 reported, “More than 260 exotic snakes, monkeys, lions, tigers, bears and other captive animals have escaped in Florida over the past decade.” aa-mj16-exotics-opener-wout

Keeping an exotic animal as a pet can pose a threat to your family and neighbors. Florida requires exotic pet owners to carry liability insurance for their animal. Some rare animals can cause injury, spread disease and damage Florida’s eco-system according to The Humane Society.

While dangerous behavior can be expected from a wild animal, what about the behavior of a domestic animal?

“Some communities require dog owners to purchase an umbrella insurance policy for their pet, in addition to the coverage included with their homeowners insurance if they own what is considered a dangerous breed,” says Buck with GreatFlorida Insurance.

Dangerous dog breeds include but are not limited to: Rottweiler’s, Pit Bulls and Chows. Unfortunately, aggressive classifications are based on the breed and not behavior history or socialization.

The Insurance Information Institute  claims that dog bites account for one-third of all homeowner’s insurance liability claims. The average payout for a claim in 2015 was $37,214.

It is important to talk to your homeowners insurance agent to review if your pet is covered on your renters insurance or homeowners insurance, or if additional liability insurance such as an umbrella insurance policy is required.

Contact GreatFlorida Insurance if you have questions about homeowners insurance, renters insurance or umbrella insurance. We will make sure you and your pet are covered.


The post Your Neighbor’s Strange Pet appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Do you remember the last time a hurricane hit Florida? How can you take emergency managers seriously when the state has not seen a hurricane in over 10 years?

“Having experienced a hurricane drought over the past several years, it is easy to forget how destructive one hurricane can be to your property,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent flood insurance provider.

Hurricane season kicks off June 1 and runs through November 30. Weather forecasters believe Florida is long overdue for a storm. 10 years with no major storms has many on edge.

Hurricane Wilma made landfall October 2005 in Collier County with winds up to 120 mph. Several deaths were reported, while one-third of the state lost power. AccuWeather, reports an estimated $29.3 billion worth of damage.

There are growing concerns that Floridians are not preparing for a hurricane with the proper supplies and an evacuation plan. State officials warn of complacency and “hurricane amnesia.”

At the 2016 Governors Hurricane Conference, Florida Division of Emergency Management Director, Bryan Koon reported a “lack of awareness,” especially among the millions of new residents in Florida.

“It is responsible for GreatFlorida Insurance to communicate the risk to the public,” says Buck. People should check their homeowners insurance to make sure policies are up to date and coverage is sufficient.”


Many homeowners are under the false assumption that their homeowners insurance would cover loss caused by a flood in the home. Flood insurance is not included in your homeowners policy and must be purchased separately.

The entire state of Florida lies within FEMA’s (Federal Emergency Management Agency) highest designation of storm frequency, making Florida a flood zone with varying levels of risk.

This year NOAA, National Oceanic and Atmospheric Association, predicts a “near normal,” hurricane season. With a 70 percent chance of 10 to 16 named storms, of which four to eight could grow into hurricanes.

The Red Cross recommends keeping a container filled with water, one gallon of water per person, per day, a 3-day supply of non-perishable food, a battery powered or hand crank radio, flashlight and batteries, first aid kit, garbage bags for trash, hand wipes, local maps, prescription medication and a cell phone with a charger, preferably solar.

GreatFlorida Insurance can help protect your home with a Florida flood insurance policy provided by the National Flood Insurance Program.  Our homeowners insurance can cover hurricane damage incurred by windstorms.  Keep in mind; most homeowners insurance policies do not include flood damage. To learn more about our services, go online for a free quote at www.greatflorida.com.


The post Hurricane Amnesia appeared first on The GreatFlorida Insurance Blog.