Roof age, wind mitigation, flood zone, 4-point inspection — we tell you what each one does to your premium before you commit.
I can put together a home quote right here — a few quick questions, about two minutes.
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Plain English, no jargon. Tap any coverage in the chat and Ava explains it while you answer.
Rebuilding the structure at today's construction costs, not what you paid for the house.
Fence, shed, screen enclosure, dock. Usually a percentage of the dwelling limit — worth checking.
Your belongings. Replacement cost beats actual cash value, and the difference shows up on a claim.
If the house is unlivable after a covered loss, this pays for somewhere to live while it is repaired.
Roof age is the single biggest factor in a Florida homeowners rate. A wind-mitigation inspection often pays for itself in one term.
Impact glass or accordion shutters earn credits on most carriers. We ask, because carriers do not volunteer it.
Sudden pipe breaks are covered. Slow leaks are not. Knowing the line matters before you file.
Click a hotspot to see the risk it addresses, and what the coverage actually does for you.
A fire, a hurricane, or a burst supply line can damage the structure you paid for, and rebuilding costs today are not what they were when the policy was written.
Dwelling coverage rebuilds the house itself. We set the limit on current construction costs, not on what you paid for the property.
Florida policies carry a separate hurricane deductible, usually a percentage of the dwelling limit rather than a flat dollar amount.
We show you that number in dollars before you buy, and wind-mitigation credits on impact windows and roof attachment often pay for themselves in one term.
Fences, sheds, a detached cabana, a dock or a driveway gate are damaged in most serious storms, and they are not part of the dwelling limit.
Other structures coverage is usually a percentage of the dwelling limit. If you have a dock or a guest house, that percentage needs checking, not assuming.
A pool, a screen enclosure and guests are the most common source of a serious liability claim at a Florida home.
Personal liability answers covered injury and damage claims made against you, and an umbrella policy extends it well beyond the homeowners limit.
If a covered loss makes the house unlivable, you are paying a mortgage and a rental at the same time, sometimes for months.
Loss of use pays the additional cost of living somewhere else while covered repairs are done — the coverage people forget until they need it.
The same questions a licensed agent would ask on the phone — in the order that gets you an accurate number instead of a teaser rate.
…and a few more. Average time: under two minutes.
Not a lead broker, not a call center. Your answers go straight into our agency system.
Including the ones that never show up on comparison sites.
By email or text, whichever you picked. No pressure, no endless calls.
Ava starts it. A licensed agent finishes it.
Independent agency licensed in FL · IL · MN. We compare 50+ carriers and place the policy that actually fits — no call center, no quote farm.
4700 Millenia Blvd, Suite 500
Orlando, FL 32839
Mon–Fri 9 AM–5 PM
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