Florida home insurance,
explained like a neighbor would.
Roof age, hurricane deductibles, four-point inspections, Citizens — we handle Florida's quirks every day, and we put the answers in writing you can actually read.
5.0★ on Google · 100+ reviews
Markets that actually write Florida homes
- Citizens
- Slide
- Tower Hill
- Security First
- HCI
- Florida Peninsula
- Olympus
- Wright Flood
- Neptune
Carrier availability depends on the property, its age, location and current underwriting rules. We quote different markets case by case; names do not imply endorsement.
Which policy fits how you live
- You live in your home. HO-3 — the full package: structure, belongings, liability, and somewhere to stay if a covered loss forces you out.
- You own a condo. HO-6 — the association insures the building; you insure from the walls in. We read the master policy so yours starts exactly where theirs ends.
- You rent. HO-4 — the landlord's policy covers the building, not your things. Renters coverage is cheaper than most people guess.
- You rent it out. DP-3 — landlord coverage for the structure, your liability, and the rent you'd lose if a covered loss empties the property.
Airbnb, mobile home, vacant property, investment portfolio — those exist too. Text us what you have and we'll point you to the right form.
The three Florida rules that decide your price
The roof. Under 15 years old, the law says age alone can't get you refused or non-renewed. At 15+, an inspection showing 5+ years of useful life protects you too. Knowing this rule is the difference between "sorry, too old" and a real quote.
The hurricane deductible. A percentage of your coverage — 2%, 5% or 10% — applied once per calendar year, not per storm. We make sure you see it in dollars before you sign, not after the wind.
Flood is separate. No home policy covers it. NFIP tops out at $250,000 for the building and $100,000 for contents — purchased separately, with separate deductibles and a 30-day wait. Nearly a third of NFIP claims come from outside high-risk zones, so "I'm not in a flood zone" is a map, not a guarantee.
Real reviews — mostly in Spanish. That tells you something.
5.0 · 100+ reseñas en GoogleEl mejor servicio y los mejores precios . The King of KINGS
Fue un placer poder estar atendida por ustedes
Súper precio y excelente atención
Thank you so much for yall services 🙏🏻💪🏼
Excelente compañía amable eficaz y segura orientación en cuanto a cualquier rama de seguro se trata. Súper recomendado
Quiero tomarme un momento para agradecer a Lucy por su increíble ayuda con mi seguro. Fue muy paciente, profesional y me guió paso a paso. Si necesitan un seguro médico, definitivamente recomiendo sus servicios. ¡Gracias!” “He estado trabajando con Lucy y Paula por años, y no puedo estar más agradecida. No solo me ayudaron con el seguro médico de mi familia, sino también con el seguro de auto. Su dedicación, profesionalismo y atención al detalle siempre me han hecho sentir segura. ¡Recomiendo a Lucy y a Paula de todo corazón!
I cannot say anything less than impressed. I’ve been using Fit insurance for few years now. What commenced as a conversation on an airplane while traveling, became a business relationship. Not only I use Fit insurance for myself but also my parents. As a real estate agent, I request quotes for the home purchase of my clients. Fit insurance has became a valuable tool to my business. They are prompt to reply and offer several options for my clients needs. They step in and explain any concerns my clients may have regarding decision making when purchasing insurance. I not only recommend them but we have built a trustworthy relationship for service and value.
Excelente 👌 atención. Mil gracias..
Excelente asesor...
Excelencia, prontitud y seguridad es el servicio que brinda esta agencia.
Los mejores de toda la Florida, pregunten por lusy, ella los ayudará
Los mejores sin duda alguna, pregunten por Lusy, La mejor, estoy muy contento con su atención, y estoy seguro que ella los va a ayudar
They are super professional , smart and friendly can’t ask for anything else in a company
Excelente
Felicitaciones por tan excelente gestión llevo 5 años y cada año es mejor gracias fit insure
Best customer service!!!!! I wll be their client forever.I loves Lucy!.
Excelente servicio los recomiendo con garantía total . Llevo 2 años y la atención es increíble muchas gracias
Muchas Gracias por ayudarme con mi seguro medico y estar siempre para cuando uno los necesita con cualquiera de los seguro.
Excelente servicio, grandes profesionales y buen café. Siempre los recomiendo.
Hola estoi dando mi opinión sobre Fernando asistente de aseguransas el es una excelente persona pasiente y amable se los Recomiendo l
Home insurance questions, answered straight
Can I get coverage with an older roof in Florida?
More often than people think. Florida law protects you here: if your roof is under 15 years old, an insurer can't refuse to write or renew your policy based solely on its age. At 15 or older, you can have the roof inspected — at your cost, by an inspector the insurer accepts — and if it has 5 or more years of useful life left, they can't deny you for age alone. We work with markets that write older homes, including Citizens.
How does the hurricane deductible work?
It's a percentage of your dwelling coverage — typically 2%, 5% or 10% — not a flat amount, and in Florida it applies once per calendar year with the same company or group, not once per storm. On a $300,000 home, a 2% deductible means $6,000 out of pocket before the insurer pays. Your policy must show it in dollars, not just a percentage.
Does home insurance cover flooding?
No. No standard home policy covers flood — in Florida or anywhere else. Flood is a separate policy, federal (NFIP) or private. A new NFIP policy takes effect 30 days after purchase, with limited exceptions such as closing on a mortgage — so the time to buy is before the season, not when a storm has a name. And risk maps aren't destiny: between 2014 and 2024, nearly a third of NFIP claims came from outside high-risk zones.
What's a four-point inspection and will I need one?
It documents four systems — roof, electrical, plumbing and HVAC — so the insurer can evaluate an older home. There's no single age where Florida law requires it; each company sets its own rule. As a concrete example, Citizens requires it for homes over 20 years old. Contracted on its own it typically runs $100 to $300.
Let's talk about your house.
Send your current policy or just your address. We'll tell you what the market really offers for your home — including the markets other agencies don't quote.
Last updated July 20, 2026. Facts checked against Florida Statute § 627.7011, the Florida DFS four-point inspection guide, Citizens Property Insurance, and FEMA/NFIP official pages.