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+ en GoogleExcelente servicio. Me hicieron todo súper fácil y, lo mejor, a buen precio. Le doy las gracias a Paula por su servicio maravilloso. 10/10, lo recomiendo.
Felicitaciones por tan excelente gestión. Llevo cinco años con ellos y cada año es mejor. Gracias, Fit Insurance.
Excelente servicio, los recomiendo con garantía total. Llevo dos años y la atención es increíble. Muchas gracias.
No suelo escribir reseñas, pero la atención que recibí fue tan buena que vale la pena compartir mi experiencia. Fueron muy pacientes, profesionales y respondieron todas mis preguntas. Sin duda los recomiendo.
Llevo más de dos años con esta compañía y son los mejores. Siempre atentos y pendientes de todas mis renovaciones, buscando el mejor precio. La atención de Paula es siempre muy especial. Más que recomendados.
Estoy muy feliz y satisfecha de tener a Fit Insurance a cargo del seguro de mi auto. El profesionalismo y la amabilidad son únicos. Fernando y su equipo son excepcionales, y para mi sorpresa tuve una mejor oferta en mi renovación.
Muy complacida siempre con Fit Insurance, especialmente con Lucelia, que siempre me busca las mejores pólizas a buenos precios. Los recomiendo.
Excelente servicio al cliente. Fernando es un profesional muy capacitado, con gran experiencia en todo lo relacionado con seguros. Sin duda, mi familia siempre lo hará todo con ellos.
¡Gran experiencia! No solo me consiguieron una mejor oferta para mis vehículos comerciales, sino que siguieron buscando mejores precios. Ahora pago mucho menos y tengo la cobertura que necesito.
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.