Homeowners Insurance South Florida

Get the Homeowners Insurance Protection You Need with Local Agents Who Understand Florida's Risks

 People's Insurance Agency helps South Florida homeowners navigate insurance decisions with honest advice, competitive rates, and real human support.

Comprehensive Homeowners Insurance Coverage

We help South Florida homeowners get the right protection with clear guidance and great rates from trusted carriers.

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Dwelling Coverage

Protects the structure of your home from covered perils like fire, wind, and hail. This is typically your largest coverage amount since it should cover the cost to rebuild your home.

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Personal Property Coverage

Covers your belongings inside your home including furniture, clothes, electronics, and personal items. Coverage applies both at home and away from home.

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Liability Protection

Protects you if someone is injured on your property or you accidentally damage someone else's property. Includes legal defense costs if you're sued.

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Additional Living Expenses

Pays for temporary housing, meals, and other expenses if your home becomes uninhabitable due to a covered loss. Essential for Florida storm season.

SERVICE REQUIREMENTS

Information We'll Need for Your Homeowners Insurance Quote

To get you an accurate quote and move quickly, please have this ready when you call or visit. Once you're here or on the phone, we'll discuss coverage options and get you the best insurance possible that fits your budget.

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Your Property

Details about your home and property:

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Year built, square footage, and construction type

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Roof and material (crucial for Florida homes)

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Security systems and upgrades

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Swimming pool and/or other structures

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Your Coverage Needs

Information about your protection requirements:

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Current home value and est. rebuild cost

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Personal property value estimate

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Desired deductible amount

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Any recent claims or home improvements

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Current Insurance

If you currently have homeowners insurance:

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Current insurance company name

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Policy documents and expiration date

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Coverage limits and deductibles

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Recent claims or lapses in coverage

Ready to Get Your Quote?

Have your information ready? Our South Florida team is here to help you.

WHY CHOOSE US

Why South Florida Homeowners Choose People's Insurance for Homeowners Insurance

Owning a home in South Florida comes with unique rewards and unique challenges. From hurricane season prep to understanding flood vs. wind coverage, you deserve agents who know how to protect your investment and guide you through Florida's insurance landscape with confidence.

Right Coverage Levels

With Florida's unique risks and rebuild costs, we don't sell basic coverage that leaves you underinsured. We ensure you have adequate protection for your home's true value.

Weather Gap Protection

Hurricane vs. Flood Education - Most agents don't explain the difference between wind and flood damage coverage. We educate you on what's covered and help you avoid costly gaps.

Reliable Insurance Carriers

Florida's insurance landscape requires careful carrier selection. We work with financially stable insurers who stand by their Florida customers and maintain consistent coverage year after year.

Direct Access Promise

When you need policy help or claims support, no phone trees. You get our direct line and someone who knows your account details.

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Esther Robles

Homeowners Insurance Specialist

Meet the team

Our professional team is here to help you

Expert in helping South Florida homeowners secure the right protection for their biggest investment. Esther specializes in explaining Florida's unique homeowners requirements - from hurricane deductibles to flood coverage gaps - in terms that actually make sense. Whether you're a first-time buyer or updating your current policy, she takes the confusion out of homeowners insurance and ensures you're properly protected without paying for coverage you don't need.

Faq

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Frequently Asked Questions

  • 1. What homeowners insurance is required in Florida?

    Florida doesn't require homeowners insurance by law, but mortgage lenders require it. Most lenders demand coverage equal to your loan amount, but this often isn't enough to rebuild your home. We recommend dwelling coverage that reflects current construction costs, which have increased significantly in South Florida.

  • 2. Do I need separate flood insurance in South Florida?

    Yes, standard homeowners policies don't cover flood damage in Florida. You need separate flood insurance through NFIP or private carriers. Even if you're not in a high-risk flood zone, South Florida's heavy rains and storm surge can cause flooding. Flood insurance has a 30-day waiting period, so don't wait until hurricane season.

  • 3. What's the difference between hurricane and flood damage coverage?

    Hurricane coverage (wind damage) is typically included in your homeowners policy and covers roof damage, broken windows, and wind-driven debris. Flood coverage is separate and covers water damage from rising water, storm surge, or heavy rains. Many South Florida claims involve both types of damage.

  • 4. How much does homeowners insurance cost in South Florida?

    South Florida has some of the highest homeowners insurance rates in the country. Costs depend on your home's age, construction type, roof condition, and proximity to water. Newer roofs, impact windows, and hurricane shutters can significantly reduce your premiums.

  • 5. What should I do if my insurance company cancels my policy?

    Don't panic - this is common in South Florida. You typically have 30-45 days to find new coverage. Start shopping immediately, as the best carriers fill up quickly. Citizens Property Insurance is available as a last resort, but private coverage is usually better and often less expensive.


  • 6. Do I need additional coverage for my roof in South Florida?

    Most standard policies cover roof replacement, but age matters. Many insurers won't cover roofs over 15-20 years old without inspection. Consider actual cash value vs. replacement cost coverage. With South Florida's frequent storms, roof coverage is often your most important protection.

FREE GUIDE

Get Your Free South Florida Hurricane Preparedness Guide

Everything you need to protect your home and maximize your insurance coverage during hurricane season.

  • Complete home preparation checklist
  • What to do before, during, and after a storm
  • How to document damage for insurance claims
  • Emergency contact numbers and resources


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No spam, just helpful insurance insights for South Florida families.