Home & Flood Insurance in South Florida

Home insurance in South Florida is not one policy - it is a system. Between hurricane wind, flood zones that stretch far beyond the coastline, and a property insurance market that has reshaped itself in recent years, protecting a home in Miami-Dade, Broward, or Palm Beach takes more than accepting whatever renewal shows up in the mail.

Wind, hurricane, and the deductible that surprises people

Most South Florida homeowners policies carry a separate hurricane deductible - typically a percentage of the dwelling coverage, not a flat dollar amount. Knowing yours, and knowing how wind mitigation features can reduce your premium, is basic financial hygiene for any Florida homeowner.

Flood is never included

Flood damage is excluded from standard homeowners policies, full stop. Coverage comes from a separate flood policy - through the National Flood Insurance Program or the private flood market, which can offer higher limits and broader terms in many cases. If a lender requires flood insurance, that is the floor, not the ceiling: much of South Florida's flood damage happens outside high-risk zones.

Condo unit owners: your HO-6 fills real gaps

If you own a condo unit, the association's master policy stops somewhere - and where it stops determines what your HO-6 must cover, from interior build-out to loss assessments after a major building claim.

Read more: Home and flood insurance in plain English and Wind mitigation inspections and insurance discounts.

We will review your home, flood, and wind coverage together so the pieces actually fit. Call (516) 476-6742 or visit our contact page.