We place home coverage anywhere you live. Palmetto Bay taught us the hard version of this work — carriers moving, premiums jumping, fine print around wind and water.
We read the renewal you already have, explain deductibles in dollars you can picture, and look for a market that still wants the risk.
Florida, specifically
Flood is not inside a homeowners policy. Storm surge, canal overflow, and standing water need a separate flood policy. We write both so the gap is not a surprise after a storm.
What it typically includes
- Dwelling and other structures
- Personal property
- Loss of use / additional living expenses
- Personal liability and medical payments
- Optional scheduled valuables
A good fit if
- Primary homes nationwide
- First-time buyers
- Condo owners (HO-6)
- Anyone staring at a renewal that just jumped