Homeowners insurance in Florida City & Homestead, with the flood question answered.
Standard homeowners policies don’t cover flood. We explain whether you need flood coverage, what it covers and how to add it.
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Why Florida homeowners insurance is a mess right now — and what we do about it
Rising reinsurance costs, hurricane exposure, and several carrier exits and insolvencies have made Florida one of the hardest homeowners insurance markets in the country. As a family-owned local agency, we take the time to explain what your policy actually covers, help you navigate 4-point and wind mitigation inspections, and make sure the inspection reports you already have are on file with your quote.
Coverage we quote every day
Dwelling & other structures
Rebuild cost for your home, plus detached structures like a shed, fence, or detached garage.
Wind & hurricane coverage
Florida’s most important coverage line — we make sure your wind deductible and limits actually match your home’s risk.
Liability & medical payments
Protection if someone is injured on your property, or your family is responsible for damage to someone else’s.
Loss of use / additional living expenses
Covers hotel and living costs if your home becomes temporarily uninhabitable after a covered loss.
4-point & wind mitigation inspection help
Homes over 20 years old typically need these before a carrier will issue a policy — we can point you to inspectors who turn them around fast.
Flood insurance guidance
Standard homeowners policies exclude flood. We’ll tell you honestly whether you need a separate NFIP or private flood policy for your address.
A real office, 10 minutes away
We’re at 33550 S Dixie Hwy, Suite 102, Florida City — serving homeowners across Homestead, Leisure City, Naranja and South Miami-Dade. Walk in, call, or text. We’ll help you get a policy in place fast for a purchase closing, or review your renewal before your rate changes.
33550 S Dixie Hwy, Suite 102
Florida City, FL 33034
English · Español · По-русски
What to have ready for a homeowners insurance quote
A quote is only as accurate as the details behind it. Having these on hand lets a licensed agent compare options for your home in one conversation instead of several.
Address, year built and square footage
The basics every quote starts with. The county property appraiser’s record is a good place to confirm year built and living area.
Roof age, material and permit
Florida law limits when an insurer can refuse to write or renew a home solely because of roof age: roofs under 15 years old, and older roofs that an inspection shows have at least 5 years of useful life left (s. 627.7011). A roof permit or invoice helps prove the date.
Wind mitigation form (OIR-B1-1802)
If you have one, bring it. OIR says a completed form is valid for up to five years if the structure hasn’t materially changed.
4-point inspection, if your home is older
Many insurers ask for a report on the roof, electrical, plumbing and HVAC before writing an older home. Ask us first whether it’s needed for your address.
Current declarations page and claims history
Your current limits and deductibles, including your hurricane deductible, plus any claims in recent years. This lets us compare like with like.
Mortgage company and flood zone
Your lender’s mortgagee clause and loan number for closing, and your flood zone from FEMA’s Flood Map Service Center. Standard homeowners policies don’t cover flood.
Homeowners insurance in Florida City — common questions
Why did my homeowners insurance premium go up so much?
Rising reinsurance costs (what carriers pay to insure themselves against catastrophic losses), construction and repair cost inflation, and hurricane risk have driven premiums up across Florida — especially for older homes. Reviewing your policy with an agent each year, rather than auto-renewing without looking, is the most effective way to confirm your coverage, deductibles and inspection reports are still up to date.
Do I need flood insurance separately?
Yes — standard homeowners policies exclude flood damage entirely. Whether you legally need it depends on your flood zone and whether you have a mortgage, but we recommend most Miami-Dade homeowners at least get a quote, since flood damage isn’t rare here.
What is a 4-point inspection and when do I need one?
It’s an inspection of your home’s roof, electrical, plumbing, and HVAC systems, typically required by carriers for homes older than about 20 years before they’ll issue a new policy. A wind mitigation inspection, which documents your home’s wind-resistant features on Form OIR-B1-1802, is often done at the same visit.
How fast can you bind coverage for a home purchase closing?
Often within the same day once we have your address, purchase price, and any required inspection reports. We work directly with title companies and lenders to keep closings on schedule.
Who will I be working with?
We’re a family-owned insurance agency in Florida City. A licensed agent will review your home’s age, location, and inspection results with you and explain the coverage available for your situation.
Can an insurer refuse my home just because the roof is old?
Not solely for that reason if the roof is under 15 years old. For an older roof, Florida law lets you have it inspected at your own expense, and the insurer can’t refuse solely due to roof age if the inspection shows at least 5 years of remaining useful life (s. 627.7011). Other underwriting rules still apply.
Should I bring my wind mitigation report to a quote?
Yes. Insurers can use a current OIR-B1-1802 form for wind-related rating. OIR says a completed form is valid for up to five years, provided the structure hasn’t materially changed and the form has no inaccuracies.
Coverage descriptions are general information, not policy language. Requirements and eligibility vary by carrier, home age, and location.
Areas we serve
We serve these Miami-Dade and Broward communities from our Florida City office, in person by appointment and by phone, WhatsApp, text and email.