New construction home insurance, priced for the home you just built.
Builders often bundle you into one insurance option at closing — usually not the cheapest one. We compare 15+ A-rated Florida carriers so your new home is covered at a fair price from day one.
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Why new construction buyers overpay — and what we do about it
A newly built home usually qualifies for real savings: impact windows, a new roof, modern wiring and plumbing, and up-to-code wind mitigation features all lower risk — and should lower your premium too. The problem is most buyers never see those savings, because builders route them straight to one bundled insurance option at the closing table without comparing the market. As an independent agency, we shop your new home’s exact features across multiple A-rated carriers and make sure every wind-mitigation credit you qualify for is actually applied.
Coverage we quote every day for new-build buyers
Fast quote & binder for closing
New construction closings move fast and lenders require proof of insurance in place. We turn around a quote and binder quickly so nothing holds up your closing date.
Wind mitigation credit maximization
Impact windows, hurricane straps, and a new roof can mean real discounts — we make sure your new home gets full credit for every feature it qualifies for.
New condo? HO-6 coverage
Buying a new-construction condo instead of a house? We quote HO-6 interior coverage that works alongside your association’s master policy.
Builder’s insurance vs. the open market
The policy your builder points you to is rarely the cheapest or the best fit. We’ll show you what the same coverage costs elsewhere before you sign anything.
Dwelling, liability & loss of use
Full protection for your new home’s replacement cost, your liability as a homeowner, and living expenses if you’re ever displaced.
Bundle with auto & save
Just moved and need to re-shop your car insurance too? Bundling a new home policy with auto typically unlocks a multi-policy discount on both.
Licensed statewide — from the Keys to Jacksonville
Our office is in Florida City, but new construction is booming everywhere in Florida — The Villages, Poinciana, Davenport, Apopka, Cape Coral, Tampa Bay and beyond. We handle new-home insurance for buyers across the entire state, all by phone, text, or email — no need to visit in person to get covered before closing.
33550 S Dixie Hwy, Suite 102
Florida City, FL 33034
English · Español · По-русски
New construction home insurance in Florida — common questions
Do I need homeowners insurance before I close on a new construction home?
Yes — if you’re financing the home, your lender will require proof of homeowners (or condo/HO-6) insurance in place before closing. Even if you’re paying cash, it’s strongly recommended to have coverage starting the day you take ownership.
Is new construction actually cheaper to insure?
Often, yes. New homes are built to current Florida building code, typically including impact windows or shutters, hurricane straps, and a brand-new roof — all of which carriers give real wind-mitigation credit for. The savings depend on your specific home’s features and are not automatic; we make sure every credit you qualify for is applied.
What’s the difference between builder’s risk insurance and homeowners insurance?
Builder’s risk insurance covers the home during construction and is usually the builder’s responsibility, not yours. Homeowners insurance is the policy you need starting at closing, once you take ownership — that’s what we quote.
My builder already recommended an insurance company — can you still help?
Absolutely, and it’s worth checking. Builder-recommended policies are convenient but rarely shopped against the market. We’ll compare the same coverage across multiple carriers so you can see whether you’re getting a fair price before you commit.
Do you help buyers outside of South Florida?
Yes — we’re licensed to write homeowners insurance across the state of Florida, including major new-construction areas like The Villages, Kissimmee/Poinciana, Davenport, Apopka, and Cape Coral. Everything can be handled remotely by phone, text, or email.
Coverage descriptions are general information, not policy language. Requirements, credits, and eligibility vary by carrier, home features, and location.