HOME INSURANCE IN FLORIDA
Protecting Florida Homes, From Coast to Coast
At Anchor & Atlas Insurance, we help Florida homeowners protect what matters most. As an independent insurance agency based in Palm Bay, we proudly serve families and homeowners across the Space Coast, Brevard County, and throughout Florida.
We’re anchored in trust and guided by experience - which means we take the time to explain your options clearly, shop multiple insurance carriers, and help you feel confident in your coverage. No pressure. No confusion. Just honest guidance from people who live and work right here in Florida.
Why Home Insurance in Florida Is Different
Owning a home in Florida comes with unique challenges - and your insurance should be built with those realities in mind.
Florida homeowners often face:
- Hurricanes and tropical storms
- Wind and hail damage
- Flood risks (often excluded from standard policies)
- Rising replacement costs
- Roof age and inspection requirements
- Fewer carrier options and changing underwriting rules
Because the Florida insurance market is constantly evolving, having a knowledgeable local agent matters. We stay on top of carrier changes, coverage gaps, and market shifts so you don’t have to.
What Does Home Insurance Cover?
A standard Florida home insurance policy typically includes several key protections. We’ll help you understand each one and tailor coverage to your specific home.
Dwelling Coverage
Helps pay to repair or rebuild your home if it’s damaged by a covered loss like fire, wind, or storm damage.
Other Structures
Covers detached structures such as garages, sheds, or fences.
Personal Property
Protects your belongings - furniture, clothing, electronics, and more - if they’re damaged or stolen.
Loss of Use
Helps cover temporary living expenses if your home becomes uninhabitable after a covered claim.
Personal Liability
Provides protection if someone is injured on your property and you’re found legally responsible.
Medical Payments
Helps pay for minor medical expenses for guests injured on your property, regardless of fault.
We’ll walk you through each coverage in plain language and help you choose limits that make sense - not just the minimums.
Flood Insurance: What Florida Homeowners Need to Know
Flood damage is not covered by standard home insurance policies in Florida.
Even homes outside of high-risk flood zones can experience flooding due to heavy rain, storm surge, or drainage issues. That’s why many Florida homeowners choose to add a separate flood insurance policy.
We help you:
- Determine your flood risk
- Understand NFIP vs. private flood options
- Choose the right coverage level
- Coordinate flood insurance with your home policy
Why Work With an Independent Insurance Agency?
As an independent agency, we work for you, not for one insurance company.
That means:
- We shop multiple top-rated carriers
- We compare coverage and price
- We explain the pros and cons honestly
- We help with policy changes and renewals
- We’re here to advocate for you, even after the policy is issued
Our job is to help you make informed decisions - and to be a steady, reliable guide when life throws the unexpected your way.
Who We Help
We work with homeowners across Florida, including:
- First-time homebuyers
- Families upgrading or downsizing
- Condo and townhome owners
- Manufactured and mobile homes
- Rental and investment properties
- Second homes and seasonal residences
- New Florida residents
If you own a home in Florida, we’re here to help you protect it properly.
Let's Talk
If you’re looking for a Florida insurance agency that explains things clearly, shops multiple carriers, and truly cares about the people they serve, we’d love to help.
📞 Call or Text: 321-454-4444
📧 Email: info@anchoratlasinsurance.com
🌐 Online: anchoratlasinsurance.com
Whether you need a quote, a second opinion, or just answers - we’re here.
