Florida Homeowners Insurance

Peace of Mind for you and your family dwelling place.

If you’re like most homeowners in Florida, your home is your most valuable asset and should be protected. At WE Insure, we know how hard you’ve worked to turn your house into a home. Since your home is one of the essential financial investments of your lifetime, you’ll need proper coverage to keep your investment protected, providing your family with the guarantee that they’ll always be safe and sound.

We offer coverage options that are both flexible and affordable. Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.

family outside home

Get the protection you need and the attention you deserve!

It’s essential to understand what your coverage options are — not just for your car, but for you, and to others. We’re local, independent insurance agency that provides tailored, personalized insurance coverage at a price that matches your needs.

Why do you need</br> Car Insurance?

Why do you need
Car Insurance?

Having insurance is a legal requirement that provides financial protection of the cost of a potential loss.
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What does Personal Auto</br> Insurance cover?

What does Personal Auto
Insurance cover?

The right level of cover protects in the event of your damage to properties and injuries you and to others.
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How Much Does Car</br>  Insurance Cost?

How Much Does Car
Insurance Cost?

An insurance premium is based on several factors, including your age, where you live, and what kind covers you buy..
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Why do you need Homeowners Insurance?

Buying a house is one of the significant milestones in your life and one of the biggest investments you’ll probably ever make. So once you make that investment, you probably want to protect it with home insurance and, in some cases, you’re going to have to. Like any other type of coverage, home (or homeowner’s) insurance comes in a variety of flavors with a seemingly endless array of options. Read on to find out more about those options and at WE insure cam guide you get the right suite of coverage for your home.

Here are some specific circumstances that personal homeowners insurance would cover:

  • The structure itself, any garages our outbuildings and most of the contents.
  • Cover damages to your home caused hazards or peril.
  • Cover damages to your personal property caused hazards or peril around the World.
  • Theft, vandalism of your house,
  • It will protect you against claims by anyone who injures themselves while on your property – from the mail carrier
    to that brother-in-law.

What does Homeowners Insurance cover?

This are typical components of standard Florida homeowners insurance Policy. In most policies, what is covered is explicitly listed out.

Typical Florida Policy Components.

Home Structure

Also called the "dwelling" helps protect your home's structure, built-in appliances and wall-to-wall from damage.

Other Structures

Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.

Personal Property

This coverage helps cover your property not attached your own homes, such as furniture and clothing.

Personal Liability

If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

Loss of use

Coverage to help pay for additional living expenses if you're unable to live in your home due to a covered loss

Common covered perils on Florida homeowners insurance policy.

  • Weather-related damage, such as wind damage or hail.
  • Water damage from internal sources, not from flood.
  • Damages caused by vandalism.
  • Theft of personal property
  • Damage from civil disturbances.
  • Damage caused by Falling Objects.

Hazards, such as floods and earthquakes, are not typically covered by standard policies, there are additional coverage options available.

How Much Does Homeowners Insurance Cost?

Insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. We compared premiums from some of  Florida’s most popular insurers.

Basic Demographics

Your age, sex, marital status, and location.

Driving History

Your driving record and loss history plays a substantial role in the rates.

Driving Habits

Your daily driving routine and what purposes you use of your car.

Credit History

The better your credit, the more favorable your rates will usually be.


Insurance companies underwrite at the household level, meaning they try to judge based on the entire family.

Type of Vehicle

Generally, more significant, heavier vehicles will need more coverage.

Value of Vehicles

The premium for physical damage coverage is often a percentage of the vehicle’s value.

The number of Driving Employees and Vehicles

More vehicles and employees are driving will mean higher risk exposure, more coverage needs, and higher premiums.

Distance/Radius of Travel

Long distance, especially when crossing state lines, will add to the cost.

Cargo Type

If you’re hauling cargo, premiums will be much lower if you’re hauling hay compared to hauling a hazardous material like fuel.

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