Miami and the Southeast Coast
Dense coastal wind exposure and condo association master policies that decide what your own HO6 has to cover. We read the master policy before we quote the unit.
Where We Write
Every county in Florida. The risk changes as you cross the state, and so do the carriers willing to write it.
The Gulf Coast
Naples through Sarasota, where waterfront homes carry a flood question the homeowners policy does not answer. Wind, flood and seawall exposure get quoted as one picture instead of three phone calls.
Tampa Bay
Sinkhole territory, and carriers price catastrophic ground cover very differently from one another. Worth shopping properly rather than renewing on autopilot.
Central Florida
Orlando, Lakeland and Ocala. Inland wind rates, plus a heavy short-term rental market that needs the right form, not a standard homeowners policy stretched to fit.
Northeast Florida
Jacksonville, St. Augustine and Daytona Beach. Older housing stock means roof age and four-point inspections decide the premium before anything else does.
The Space and Treasure Coasts
Melbourne, Vero Beach and Stuart. Coastal wind pools and barrier-island addresses that standard carriers decline and the surplus lines market will write.
The Panhandle
Tallahassee, Panama City and Pensacola. Rebuilt properties price nothing like they did before the storms. Bring the elevation certificate and the flood number usually falls.
The Keys
Monroe County writes almost entirely through surplus lines and the flood map is the whole conversation. Possible, but it needs an agent who has done it before.
If your address is in Florida, we can quote it. Call and ask about anything you do not see here, because the carriers we represent write statewide.
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