Coverage
Single Family Home Insurance in Florida
Protection for your house, from hurricanes and flooding to everyday accidents.
Mon–Fri 9am–6pm ET
Talk to a licensed agent about single family home insurance
Takes about a minute. A licensed agent calls you back during office hours (Mon–Fri 9am–6pm ET).
Local, licensed and easy to reach📍 Office: M&K Agency Inc. · 33550 S Dixie Hwy, Suite 102, Florida City, FL 33034📞 (305) 859-3953 · Mon–Fri 9am–6pm ET🪪 FL License #L109526
Florida homeowners face risks most of the country doesn't — hurricanes, flooding, and rising reinsurance costs. We'll help you put coverage in place that actually holds up when a storm hits — and explain exactly what it does and doesn't include.
Buying a home? We'll help you get a policy in place fast so you can close on time — including guidance on inspections your lender or carrier may require.
⚠️ Homes older than 20 years typically require a 4-point inspection and wind mitigation inspection before a carrier will issue a new policy. We can point you to inspectors who turn these around quickly.
- Dwelling, other structures & personal property coverage
- Wind & hurricane coverage
- Liability & medical payments coverage
- Loss of use / additional living expenses
What do liability claims actually look like?
- You hire a handyman or contractor who doesn't carry his own insurance or workers' comp — he falls off your roof or is shocked doing electrical work. Without coverage of his own, the medical bills often land on you, and they can be enormous.
- Neighborhood kids come over to play in your yard or pool and one of them breaks an arm or a leg — medical bills alone can run into the hundreds of thousands of dollars, and as the property owner you can be held liable even if you did nothing wrong.
- A tree branch from your yard falls and damages a neighbor's roof or car.
- A delivery driver trips on a broken step and is injured on your property.
Coverage is subject to underwriting and eligibility. Descriptions are general information, not policy language.