Florida Home Insurance

Florida home insurance is a different animal than home insurance in the rest of the country. Between hurricane season, high wind zones, older roofs, and a carrier market that shifts every year, homeowners here need someone who understands what's actually available in your ZIP code — not a generic online quote engine. As an independent Florida insurance agency, Kite Insurance Agency helps you compare policies from multiple carriers so you can see real options side by side.

The biggest driver of your Florida homeowners premium is usually wind. Most policies separate wind and hail into their own deductible — often 2%, 5%, or 10% of your dwelling limit — and coastal ZIP codes can require higher wind deductibles or coverage through Citizens if the private market is tight. We'll walk you through what a percentage-based hurricane deductible actually means in dollars on your home, and where you can offset that risk.

Your roof matters more than almost anything else. Carriers look closely at roof age, material, and shape, and many will only offer full replacement cost on roofs under a certain age — older roofs may be settled at actual cash value, which factors in depreciation. If you've recently reroofed, that documentation can meaningfully lower your rate. We'll ask the right questions upfront so your quote reflects your actual home.

Beyond the dwelling, a good Florida home policy includes personal property coverage, loss of use if your home becomes uninhabitable, personal liability, and medical payments to guests. We'll also talk through what's not covered — flood is always separate (see our Florida flood insurance page) and sinkhole coverage is optional in most areas. If you own the home and a car, bundling can save money; we can quote a home + auto bundle at the same time.

There's no obligation. Submit the form or call (850) 438-0008 and a licensed Florida team member will review your request and reach out with options that actually apply to your address.