Peace of Mind for you and your family on your dwelling place.


Homeowners Insurance

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 homeowners, but for you, and to others.

Learn More About Car Insurance Coverage

Florida Insurance Requirements

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

It's Your Financial Protection.

Understand Florida policy coverages.

Find out what will impact the insurance price.

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 homeowners insurance would cover:

The dwelling structure, garages or outbuildings and your contents in your property.

Damages caused others, cover perils and hazards.

Damages to your personal property caused by others, cover perils and hazards around the World.

Theft or 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.

At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.

Want to see how much we can save you? Just request a quote to find out.

What does Homeowners Insurance Cover?

Your home is the center of your world — the place where family and friends meet and memories are made. Homeowners insurance provides financial protection for your home and possessions in the event of sudden and accidental damage. It helps you smoothly recover from things like fire, lightning, hail, theft or vandalism.

Typical Florida Homeowners 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 personal property not attached your own home, 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.

Liability insurance

This covers you in the event you or your family members are responsible for causing injury or damage to another person or their property.

Medical Payments to others

This can help pay for minor injuries if a guest is hurt on your property. This coverage is usually sold in a small amount,

Common covered perils on Florida homeowners insurance policy

Fire, or Lightning.

Weather-related damage, such as windstorm or hail.

Water damage, not from flood.

Damage caused by Falling Objects.

Theft of personal property.

Damages caused by Vandalism and Malicious mischief.

Rioting or civil disturbances

Explosion causing damage to the covered structure.

Damage from an aircraft, car or vehicle

Sudden and accidental tearing, cracking, burning, or bulging

Volcanic Eruption

Damage from smoke

What does Homeowners Insurance Cover?

Homeowners Insurance 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 an Homeowners insurance rates.

Base Demographic

— Your age, your gender, your marital status, and education will affect your insurance rates in different ways.

Home Features and Characteristic

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

House Location

— The location of your home can change your homeowner’s insurance premium. Near water it'll increase the rate.

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

— Monitors alarm systems, smoke detectors, fire extinguishers, can lower the premium.

Claims History

— Claims maid on a homeowner’s insurance policy it'll increase the premium.

Your Household

— Insurance companies underwrite at the household level, meaning they try to base insurance rates on the habits of the entire family.

Coverages You choose

— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.



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