Homeowners Insurance

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.


Tell us about your insurance needs

It’s essential to understand what your coverage options are — not just for your home, but for you, and to others.

Learn More About Home Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right home insurance policy for your needs and budget.

People sitting down around a table in insurance meeting

Why do you need Homeowners Insurance?

In Florida and like almost every other state, it’s illegal to drive without car insurance. Every state has a legally required minimum liability coverage. If you are unable to provide proof of insurance in Florida, you run the risk of having your vehicle impounded, and your license suspended and fined. If you make a habit of getting caught without it, you could end up in jail. The other good reason to have car insurance is consistency. It’s easier to pay monthly or quarterly premiums than to swallow the sudden cost of an unfortunate accident.

Here are some specific circumstances that personal car 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?

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 can guide you get the right suite of coverage for your home.

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

Personal Liability

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

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.

Loss of use

This coverage help you to pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Couple and salesman with insurance security lock

See what you can save with a customized insurance quote.

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.

Theft of personal property.

Damages caused by vandalism.

Damage from civil disturbances.

Damage caused by Falling Objects.

Hazards, such as floods and earthquakes, are not typically covered by standard policies, for such perils, additional coverage options are 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. Bellow, you can find some of the things that commonly influence homeowners insurance rates.

Home Features and Characteristic — Home’s age, type of structure, wiring, roof, garage, etc.

Location — The location of your home can change your homeowner’s insurance premium.

Personal Factors — Your habits can affect your homeowner’s insurance premium. Ex: smokers may pay more, good credit history can lower the premium.

Protective Devices — Alarm systems, smoke detectors, fire extinguishers, can lower the premium.

Claims History — Claims on a homeowner’s insurance policy.

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

The Coverages You Choose — Your insurance choices and coverage amounts, deductibles have a significant impact on how much you’ll pay.

Salesman and couple with insurance plan board

We're here to help you find quality information that quickly answers your insurance questions.

Have any questions?

(239) 313-2045

Open Mon - Fri

9:00am - 5:00pm

Need some help?