Florida Home Insurance Quotes & Coverage Help
Buying a home, reviewing your renewal, or having trouble finding coverage? Get help understanding your options and request a personalized home insurance quote.
How to get a quote
1
Tell us about your home
Roof age, year built, plumbing, and a few other basics. Takes under a minute.
2
We review your home’s details
We check your details against the underwriting guidance carriers publish.
3
We request the quotes that fit
We request quotes from carriers that may consider your home.
4
We explain what came back
We explain the important differences in coverage, limits, deductibles and pricing so you can make an informed decision.
START WITH YOUR SITUATION
What are you dealing with?
My roof is older(01)/ I was nonrenewed or canceled(02)/ I currently have Citizens(03)/ I failed or need a four-point inspection(04)/ I have prior claims(05)/ I’m buying a home(06)
Roof age is one of the most common carrier eligibility factors in Florida. See which age bands each carrier will still consider.
Roof age & eligibility guide →A nonrenewal or cancellation doesn’t rule out coverage: several carriers specifically write homes with a recent lapse.
Nonrenewal & cancellation guide →Understand the 20% rule, inspections, depopulation, and what to review before accepting a private-carrier offer.
Citizens Resource Center →See what inspectors check, common failure points, and how to prepare before your four-point is scheduled.
Four-point inspection checklist →Prior claims affect eligibility differently by carrier. See which claim types and counts each one will still consider.
Prior claims & eligibility guide →Buying in Florida adds insurance to the closing timeline. See what carriers need before you’re under contract.
Buying a home guide →
Research Florida Home Insurance Companies
Explore profiles of Florida home insurance companies.
What You Should Read Next
Insurance Companies
Compare Florida home insurance carriers side by side: published coverage forms, eligibility guidance, and company facts for every profile.
Citizens Insurance
How Citizens works, the 20% rule, and depopulation explained.
Coverage Explained
Understand your policy, coverages, and deductibles.
Eligibility Guides
Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.
CITIZENS RESOURCE CENTER
Have Citizens or received a takeout offer?
Understand Citizens eligibility, the 20% rule, inspections, depopulation and what to review before accepting a private-carrier offer.
Tools
Prepare before you talk to anyone: compare carriers, gather the right details, and estimate the payment impact.
Interactive ToolCompare Carriers
Compare published coverage and eligibility guidance for up to three Florida carriers.
Open tool
GuideBefore Requesting a Quote Checklist
What to gather about your roof, plumbing, electrical and claims history before you contact anyone.
Read the checklist
Interactive ToolEscrow Impact Calculator
Estimate how a policy change affects your monthly payment.
Open toolWhy Homeowners Use This Site
This is a free resource for Florida homeowners insurance shopping, built and run by a Florida-licensed insurance agency. We publish what each carrier’s own public underwriting guidance says about roof age, home age, plumbing, and claims history, then help you turn that into an actual quote.
It helps you walk into a quote conversation with a better idea of which carriers may be worth reviewing for your home. Final eligibility is always decided by the insurer.
Florida homeowners shopping for coverage, anyone nonrenewed or canceled, Citizens policyholders evaluating a takeout offer, and homeowners near a mortgage escrow review.
Most agencies are only appointed with some of the carriers writing in Florida. We use available carrier information to identify companies that may be worth reviewing for your property, and you can request a quote directly through this site. Final eligibility is determined by the insurer after underwriting.
It saves you time: you can see up front which carriers may write a home like yours, then request one quote through this site instead of filling out repeat applications.
Ready to explore your home insurance options?
Tell us a little about your property to get started.
Request a Quote