Homeowners insurance for Florida
Protect your home from hurricanes, water damage, theft and liability with a Florida-specific policy from a top-rated carrier.
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Fast response from a licensed FL agent.
Coverage that works how you do
Florida homeowners face unique risks — wind, water, and everything in between. Prime Insurance Group builds policies that actually address the exposures we see day to day, not generic coverage designed for other states.
We shop across Citizens and admitted/non-admitted carriers to find the right balance of price, deductible, and coverage limits for your home.
What's included
Dwelling Coverage
Rebuilds your home after a covered loss including hurricanes and fire.
Personal Property
Protects furniture, electronics, and belongings inside your home.
Personal Liability
Covers legal costs if someone is injured on your property.
Windstorm & Hurricane
Named-storm coverage with clear deductible structure.
Flood Insurance
Standalone or NFIP-backed flood policies — required in many FL zones.
Loss of Use
Pays for temporary housing while your home is being repaired.
Is this coverage right for you?
- Homebuyers closing on a new Florida property
- Homeowners renewing an existing policy at a lower rate
- Coastal and flood-zone homeowners needing specialty coverage
- Condo owners and townhouse residents needing HO-6 policies
- Landlords needing dwelling fire (DP-3) coverage
Why Prime Insurance Group
Top-rated carriers we work with
Frequently asked questions
Do I need flood insurance?+
Federally-backed mortgages in FEMA flood zones typically require it. Even outside those zones, most of our clients add flood coverage — it's often affordable.
What's a wind mitigation inspection?+
It documents features of your home that reduce hurricane risk (roof shape, straps, openings). It can significantly lower your premium.
Can you insure older homes?+
Yes. Depending on roof age and 4-point inspection results, we have carriers that write older Florida homes.
Do you offer condo (HO-6) coverage?+
Yes. We insure condos with proper walls-in coverage, personal property, and loss assessment.
Ready to get covered?
Speak with a licensed Florida agent today. Same-day coverage available for most policies.
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