Florida Home Insurance

Protect your home with coverage built around your needs. We shop multiple trusted carriers to deliver the best rates and options - from full comprehensive protection to liability-only. Older roof? Told no before? We specialize in finding solutions others can't.

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What Does Home Insurance Cover?

Florida homeowners face unique risks. Our policies are designed to protect you from the threats that matter most.

Dwelling Coverage

Protects the structure of your home, including walls, roof, and built-in appliances, from covered perils.

Personal Property

Covers your belongings like furniture, electronics, and clothing if they're damaged, destroyed, or stolen.

Liability Protection

Covers legal expenses and damages if someone is injured on your property or you cause damage to others.

Hurricane & Wind

Essential coverage for Florida homeowners to protect against hurricane and wind damage.

Other Structures

Coverage for detached structures like sheds, fences, and detached garages on your property.

Additional Living Expenses

Covers temporary housing and living costs if your home is uninhabitable due to a covered loss.

What Florida Homeowners Should Know

Florida's homeowners market works differently than the rest of the country, and three things drive most of what you pay. First, your hurricane deductible: Florida policies carry a separate windstorm deductible, usually 2%, 5%, or 10% of your dwelling coverage rather than a flat dollar amount — on a $400,000 home, the difference between 2% and 10% is $32,000 out of pocket after a storm. Second, your roof: age, shape, and attachment method are the single biggest underwriting factors in the state, and many carriers tighten eligibility as roofs pass 15 years. Third, wind mitigation credits: Florida law requires carriers to discount premiums for features like hip roofs, impact glass, and modern roof-to-wall connections — but you only get the credits if a wind mitigation inspection documents them.

Two coverages deserve a hard look here: ordinance & law, which pays the extra cost of rebuilding to today's stricter codes, and replacement cost on both dwelling and contents. And remember that no homeowners policy — none — covers flood. If water rises from outside, that's a separate flood policy, whether you're beachfront or twenty miles inland.

Because carrier appetite in Florida shifts year to year, the company that priced your home best three years ago is often not the best today. That's the core of what we do: re-shop the market so your coverage keeps up.

Tools, Local Guides & Related Coverage

Free tools, local guides, and related coverage our home insurance clients use most.

Wind Mitigation Savings Estimator Estimate the discounts an inspection report can earn you. Hurricane Risk Score Score any Florida address's storm exposure in seconds. Brevard County Home insurance rates and local guidance for Brevard County. Orange County Home insurance rates and local guidance for Orange County. Hillsborough County Home insurance rates and local guidance for Hillsborough County. Condo Insurance HO-6 walls-in coverage and loss assessment protection. Florida Flood Insurance NFIP and private flood options — never covered by home policies. Umbrella Insurance Extra liability protection over your home and auto limits.

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Home Insurance FAQs

As an independent agency, we are not tied to a single insurance carrier. We work with multiple trusted carriers to compare rates and coverage options, so we can find the best policy for your unique needs and budget.

A standard Florida homeowners policy typically covers your dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Coverage details vary by carrier and policy, so we help you understand exactly what is and is not included.

Independent agencies like Anchor & Atlas represent multiple insurance carriers, not just one. That means we can shop your coverage across 30+ top-rated companies and recommend the policy that actually fits your situation, rather than steering you toward whatever a single carrier happens to sell. Our job is to work for you, not for an insurance company.

Yes! Anchor & Atlas Insurance serves all 67 Florida counties. Whether you are in Palm Bay, Melbourne, Orlando, Miami, Tampa, or anywhere else in the state, we can help you find the right coverage.

Most Florida homeowners policies include wind coverage, but they typically have a separate hurricane deductible (usually 2% to 5% of your dwelling coverage). Flood damage is NOT covered by standard homeowners insurance and requires a separate flood policy.

We have access to more than 30 top-rated insurance carriers covering home, auto, flood, life, umbrella, business, and specialty lines. We compare rates and coverage across them to find the best combination of price and protection for your needs - often quoting multiple carriers side by side so you can see real options before deciding.

If you need to file a claim, contact our office and we will walk you through the process. We can help you file directly with your carrier and advocate on your behalf to ensure a smooth claims experience.

Key factors include the age and condition of your roof, your home's construction type, proximity to the coast, claims history, credit score, the coverage amount, and your deductible choices. We can help you identify discounts and the best coverage-to-price ratio.

Florida is one of the most complex insurance markets in the country. Hurricane risk, flood zones, sinkhole exposure, coastal construction rules, the state's no-fault auto laws, and rapidly changing carrier appetites all affect what you can buy and what it costs. Based in Palm Bay and serving all 67 counties, we live and work in this market every day - which means we know which carriers write what, where, and on what terms.

In most cases, we can provide a quote within one business day. Some complex policies may take a bit longer as we shop multiple carriers to find you the best rate. Fill out our online form or call us to get started.

There are several ways to reduce your premium: upgrading your roof, installing hurricane shutters or impact windows, bundling home and auto policies, raising your deductible, and maintaining a claims-free history. We shop multiple carriers to find the most competitive rate for your situation.

We start by listening - understanding your home, vehicles, family, business, and what you're trying to protect. Then we explain your options in plain language, walk through what each policy covers (and what it doesn't), answer questions honestly, and make a recommendation built around your situation. No pressure, no jargon, no surprises at claim time.

A national carrier sells you their products. A call center reads from a script. We're a local Florida independent agency - which means we shop multiple carriers on your behalf, you talk to the same licensed people every time, and we stay involved through renewals, life changes, and claims. No call routing, no transfers, no rotating reps.

What Our Clients Say

Rated 5.0 out of 5 stars based on 7 Google reviews
5 out of 5 stars
"We recently relocated from out of state, and Kelly was extremely helpful in getting us set up with homeowners and car insurance. Her knowledge was invaluable, she had answers for all of our questions, and she found us excellent policies that fit our needs. Highly recommend."

Rebecca S.

Google Review

5 out of 5 stars
"Kelly was very helpful and resourceful in securing me a better rate for my policy. Highly recommend."

Nicholson S.

Google Review

5 out of 5 stars
"Kelly was absolutely amazing and so patient and kind while navigating the insurance needs for my mom. Highly recommend Anchor & Atlas!"

Josephine H.

Google Review

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Need Help Choosing Coverage?

Our licensed agents are here to help you find the right home insurance policy.

Call (321) 454-4444