HOInsurance.com
Florida Homeowners & Flood Specialists
Florida Home Insurance
Protect Your Florida Dream Home
Coverage ANYWHERE in Florida!
Yes, even on barrier islands.
💡 Tip: Click "Sync My Policy" to securely connect your current insurance - we'll pull your coverage details automatically. No forms to fill out!
Coverage Across All of Florida
From the Panhandle to the Keys — we protect homes in every corner of the Sunshine State.
Fort Lauderdale · Orlando · Miami · Jacksonville · Miami Beach · and everywhere in between
We Represent Over 50 Florida Home Insurance Carriers
Too many to list! We shop them all to find the best coverage at the best price for YOUR home.
Including carriers that specialize in barrier islands, older homes, and difficult-to-place risks.
Why Choose Us for Your Florida Home?
Protecting Florida homeowners since 1966
Barrier Island Coverage
Coastal, barrier islands, flood zones - we cover them.
Older & Difficult Homes
Older roofs, unique properties - we find solutions.
Flood Experts
Private flood options often cheaper than NFIP.
Bundle & Save
Combine home, flood, and auto for max discounts.
Your Home Deserves the Best Protection
Florida's unique weather challenges - hurricanes, flooding, tropical storms - require specialized coverage. We work with multiple A-rated carriers to find you the best protection at the best price.
- ✓Coverage anywhere in Florida
- ✓Hurricane & wind coverage included
- ✓Replacement cost options
- ✓Same-day quotes available
Comprehensive Coverage Options
🏠 Homeowners Insurance
Full protection for your Florida home - from hurricanes to liability.
- ✓ Coverage anywhere in Florida
- ✓ Hurricane & wind included
- ✓ Replacement cost options
- ✓ Same-day quotes
🏢 Condo Insurance (HO6)
Protect your condo unit, personal property, and liability - even in high-rises.
- ✓ Unit owner coverage
- ✓ Loss assessment protection
- ✓ Personal property coverage
- ✓ Coastal condos welcome
🌊 Flood Insurance
Don't wait - flood insurance has a 30-day waiting period. Private options available.
- ✓ Private flood options
- ✓ Often cheaper than NFIP
- ✓ Higher coverage limits
- ✓ Faster claims processing
🚗 Need Auto Insurance Too?
Bundle your home and auto for even bigger savings! We shop multiple carriers to find you the best rates.
Get Auto Quote at FloridAuto.com →"They found us coverage when other agents said it was impossible. Our barrier island home is finally protected, and we're paying less than we expected!"
— Happy Florida Homeowner