FLORIDA’S TRUSTED INDEPENDENT AGENCY

Homeowners Insurance in Florida

Protecting Your Biggest Investment from Florida's Biggest Risks

Why Homeowners Insurance Isn’t Optional

Florida's weather and litigation environment make strong home coverage essential. It covers legal defense, settlements, and judgments for covered claims.

Wind, roof, and water claims drive the highest losses in Florida.
Hurricane deductibles operate differently from standard deductibles - know the difference.
After major events, repair costs and timelines rise fast; coverage helps keep you whole.

What Homeowners Insurance Covers

We tailor coverage so you are neither overpaying nor underinsured.

Dwelling - roof, walls, and attached structures at replacement cost (per policy terms).
Other Structures - fences, sheds, detached garages.
Personal Property - furniture, clothing, electronics (with options for valuables).
Liability - injuries to others on your property.
Loss of Use - housing and living expenses if you must relocate during repairs.

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FAQ

Common Questions Florida Homeowners Have About Homeowners Insurance:

Yes, subject to a separate hurricane deductible.
Flood is excluded on standard home policies; pair with a flood policy for complete protection.
Carriers vary on age and condition rules. We will match you with the right fit and set clear expectations.

Why Choose Safe Hill

Independent - We shop multiple Florida carriers for value and fit.
Local knowledge - Coastal wind, roof underwriting, and building code nuances.
Straight talk - Plain-English guidance so you know exactly what you are buying.

Zack Smith

Founder of Safe Hill Insurance

Zack's Insight

“Hurricane deductibles can surprise homeowners. We will calculate your actual dollar amount up front so you can plan, not guess, what a storm might cost out of pocket.”

Ready to Protect What Matters Most?

Your home is more than just a building—it’s where your family’s future grows. Let’s build a plan that keeps it safe through every season.

Request Your Quote Now!