Homeowners Insurance — Protect Your Biggest Investment
Protecting your home means preparing for the risks specific to your region — hurricanes in Florida, tornadoes in Texas, severe storms across the Southeast. Our agency compares homeowners policies from multiple carriers across 20+ states to find you comprehensive coverage at competitive rates.
Coverages we place
- Dwelling coverage (structure of your home)
- Other structures (detached garage, fence, shed)
- Personal property (belongings inside the home)
- Loss of use / additional living expenses (if displaced)
- Personal liability (someone injured on your property)
- Medical payments to others
Who needs this coverage
Every homeowner needs homeowners insurance. Mortgage lenders require it, and even if your home is paid off, going without coverage — especially in hurricane-prone or severe weather regions — is an extreme financial risk.
What drives your premium
- Home value, age, and construction type
- Location and proximity to coast
- Roof age, type, and condition (critical in hurricane-prone states)
- Wind mitigation features (hurricane shutters, clips, straps — especially in FL, TX, coastal states)
- Claims history
- Deductible selection (especially hurricane/wind deductible)
Common exclusions
- Flood damage (requires separate flood insurance)
- Earth movement / sinkholes (endorsement available in some states)
- Normal wear and tear
- Neglect and maintenance failures
- Certain dog breeds (varies by carrier)
Frequently asked questions
How much does homeowners insurance cost?
Rates vary significantly by state and location. States like Florida and Louisiana have the highest rates ($4,000–$6,000+/year) due to hurricane risk, while other states average $1,500–$3,000. We compare multiple carriers across 20+ states to find you the best available rate.
Does homeowners insurance cover hurricanes?
Yes, but typically with a separate hurricane/wind deductible (2–5% of dwelling coverage in hurricane-prone states). Flood damage is NOT covered — you need a separate flood policy. Wind mitigation inspections can significantly reduce your premium.
What's a wind mitigation inspection?
A wind mitigation inspection documents hurricane-resistant features in your home (roof-to-wall connections, shutters, roof shape, etc.) and can save you 20–45% on your premium in states like Florida. We highly recommend getting one before your policy renews.
Related coverage
Get a free quote or call (321) 206-8035.