Protecting Your Florida Home the Right Way
Florida homeowners face unique insurance challenges — from hurricane season to sinkholes to high rebuild costs. A standard policy from a national carrier may leave you underinsured when a storm hits. That's why working with a local, independent agent who understands the Florida market is so important.
At A&S Insurance Solutions, we shop multiple carriers simultaneously to find you the best combination of price and coverage. Our agents are licensed in Florida and understand exactly what you need to be properly protected.
What Does Florida Homeowners Insurance Cover?
A standard Florida homeowners policy (HO-3) typically provides the following types of coverage:
- Dwelling Coverage (Coverage A): Pays to repair or rebuild the structure of your home if damaged by a covered peril.
- Other Structures (Coverage B): Covers detached garages, fences, sheds, and other structures on your property.
- Personal Property (Coverage C): Replaces furniture, electronics, clothing, and belongings if stolen or damaged.
- Loss of Use (Coverage D): Pays for hotel, meals, and temporary housing while your home is being repaired.
- Personal Liability (Coverage E): Protects you if someone is injured on your property and sues.
- Medical Payments (Coverage F): Covers medical bills for guests injured on your property, regardless of fault.
Florida-Specific Coverage Considerations
Standard home insurance policies in Florida have some important nuances that every homeowner should understand:
- Hurricane Deductibles: Most Florida policies carry a separate hurricane deductible — typically 2% to 5% of your home's insured value — that applies when a named storm causes damage.
- Flood Coverage is NOT Included: Flooding from storm surge, heavy rain, or rising water requires a separate flood insurance policy. We can quote this for you too.
- Sinkhole Coverage: Florida has more sinkholes than any other state. Catastrophic ground cover collapse is required by law, but broader sinkhole coverage is optional and recommended.
- Roof Age Matters: Many Florida carriers now limit or surcharge coverage based on roof age. A newer roof can significantly lower your premium.
- Wind Mitigation Credits: Upgrades like hurricane shutters, impact-resistant windows, and reinforced roofing can earn you significant discounts.
How We Find You the Best Rate
As an independent agency, we have access to dozens of Florida-approved carriers — from national names to strong regional companies. When you request a quote, we:
- Gather your home's details (square footage, year built, construction type, roof age)
- Run quotes with multiple carriers simultaneously
- Compare coverage terms, deductibles, and exclusions — not just price
- Present you with the best options and explain the differences
- Handle the application and binding process for you
Florida Home Insurance: What Affects Your Premium?
Several factors influence how much you'll pay for homeowners insurance in Florida:
- Location and proximity to the coast
- Distance from the nearest fire station
- Home's age, construction type, and square footage
- Roof material and age
- Claims history
- Credit score (in most cases)
- Hurricane mitigation features
- Coverage amount and deductible choices
We Also Serve These States
While we specialize in Florida, our licensed agents can help homeowners in Georgia, Tennessee, Louisiana, Mississippi, and New Jersey find the best home insurance rates as well. Call or submit a quote request regardless of which state your property is in.