Florida personal insurance advisory
The Florida market is complicated. Your coverage shouldn't be.
Independent guidance for families whose homes, assets, and exposures have outgrown a standard policy.
Independent guidance for families whose homes, assets, and exposures have outgrown a standard policy.
Hurricane deductibles, wind mitigation credits, roof age rules, flood elevation, water damage sublimits. Carrier appetite shifts every season, and the policy that fit last year may not fit now. We read the market so you don't have to.
How we work →
High-value homes, coastal exposure, second properties, collections, watercraft, golf carts, and teen drivers.
Realtors, lenders, CPAs, advisors, and attorneys whose clients need a steady, responsive hand.
Rentals, seasonal homes, and vacant dwellings that standard carriers routinely decline.
A conversation about your property, assets, and how you actually live. No cost, no obligation.
We read every current policy and map what is covered, what is not, and where the gaps sit.
You receive our findings in writing, in plain language, with the reasoning behind each point.
We design coverage across our carrier access and explain the trade-offs of each option.
Your program is revisited every year as the market, your home, and your assets change.
Most Florida policies carry a separate deductible for hurricane damage, set as a percentage of your dwelling coverage rather than a flat dollar amount. On a home insured for $900,000, a 2% hurricane deductible means $18,000 out of pocket before the policy responds. It is one of the most commonly misunderstood figures on a Florida policy.
Homeowners policies exclude flood everywhere, regardless of zone. Being outside a designated high-risk area lowers the cost of a flood policy considerably, but it does not mean water cannot reach the home. A meaningful share of Florida flood claims come from properties outside high-risk zones.
Roof age drives both eligibility and price in Florida. Many carriers restrict or decline older roofs outright, and others require an inspection before they will quote. A wind mitigation inspection documents features like roof shape, deck attachment, and opening protection, and can meaningfully reduce premium.
There is no single right answer, but the limit should reflect what a claim could reach: your assets, your future income, and how visible your household is. We look at your full picture rather than defaulting to a standard number, and we check that the underlying home and auto limits are high enough to support it.
Whenever something changes: buying or renovating a property, adding a driver, acquiring a boat or a piece of jewelry, or seeing a renewal increase you did not expect. Absent any of that, once a year is sensible. The Florida market moves enough that an untouched policy drifts out of alignment.
No cost, no obligation, and no pressure to move anything.
Schedule a consultation
4830 W Kennedy Blvd #600
Tampa, FL 33609
(813) 925-6000
Fax (813) 499-1980
