Protect your coastal investment with a program designed for the realities of the Gulf. Whether you manage a condo association on the Florida Panhandle, own multifamily in Tampa Bay, or sit on an HOA board along Mississippi’s Gulf Coast, you need coverage that stands up to hurricane seasons, ordinance updates, and rental income risk.
Meet Julia Dourvetakis of Barefoot Insurance Brokers—licensed in Florida and Mississippi—who helps property managers, owners, and HOA boards secure coastal-focused insurance with strong limits and smarter options.
Why coastal properties need a different approach
Gulf Coast buildings face unique exposures—named storms, wind-driven rain, code upgrades after a loss, and the risk of rental interruption when units are uninhabitable. Standard policies often leave gaps or use deductibles that don’t match your risk tolerance. Julia’s market access and coastal expertise help you compare terms, deductibles, and special form endorsements so you’re not surprised when a claim hits.
Program Highlights at a Glance
Wind & No-Wind Options:
Up to $3 million per occurrence with wind
Up to $2 million per occurrence without wind
Up to $20 million in Total Insured Value (TIV) across eligible schedules
Difference-in-Conditions (DIC) available if needed—to help address gaps standard property forms may not cover.
Business Interruption & Extra Expense—keep operations moving while repairs are underway.
Loss of Rents—protect cash flow for rental units and associations.
Law & Ordinance Coverage—fund required code upgrades (Coverage A/B/C as eligible).
Competitive Coastal Rates—built for Florida & Mississippi risk profiles.
Coverage availability, limits, and deductibles are subject to underwriting and policy terms. Not all options available for all properties.
Tailored for property managers, owners & HOA boards
Condominium & HOA Associations: Align hurricane/wind deductibles with reserve strategies; address ordinance compliance for older buildings.
Multifamily & Mixed-Use: Protect rental income and speed unit turn-back with extra expense provisions.
Commercial & Community Properties: From clubhouses to retail pads, keep cash flow intact during repairs.
Florida & Mississippi Service Areas
Serving coastal communities across the Florida Panhandle, Tampa Bay, Southwest Florida (Naples/Fort Myers), Sarasota–Manatee, and the Nature Coast, plus the Mississippi Gulf Coast—Gulfport, Biloxi, Ocean Springs, Bay St. Louis, Pascagoula, and surrounding markets.
Smarter deductibles. Fewer surprises.
Hurricane and windstorm deductibles can be percentage-based or flat. Julia helps boards and owners balance premium savings against worst-case out-of-pocket costs—so your budget (and reserves) are prepared when the wind blows.
What to expect when you work with Julia
Risk & Coverage Review: Current policy analysis to identify gaps.
Market Comparison: Quotes across multiple coastal carriers and programs.
Deductible Strategy: Align storm deductibles with reserves and cash flow.
Board-Ready Summaries: Clear side-by-side comparisons for votes and approvals.
Ongoing Advocacy: Annual remarkets, renewal strategy, and claim support.
Get a proposal built for your building
Ready to compare options for your coastal property or association?
Contact Julia Dourvetakis Phone: 954-368-0060, x 5 Email:julia@barefootins.com Agency: Barefoot Insurance Brokers
FAQ
What is Difference-in-Conditions (DIC)? A specialized policy form that can help address gaps left by standard property insurance. It’s commonly used for hard-to-insure perils or exclusions and is tailored to specific risks and locations. Eligibility and scope vary.
Why is Law & Ordinance coverage important? After a loss, many jurisdictions require you to rebuild to current code. Law & Ordinance coverage can help fund demolition, increased construction costs, and the cost to upgrade undamaged portions as required—expenses that standard policies may not fully cover.
How does Loss of Rents/Business Interruption help? If units or spaces can’t be occupied after a covered loss, these coverages can replace lost rental income and provide extra expense funds to speed reopening.
Can I combine properties to reach higher TIV? In many cases yes—subject to underwriting. Julia can structure schedules to pursue up to $20 million in TIV where eligible.
About the Author Julia Dourvetakis is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@barefootins.com or call/text 954-866-5723.
What Every Florida Boater Needs to Know Before the Next Storm
As hurricane season rolls into Florida, one of the top questions we hear at Barefoot Insurance Brokers is: “Can I insure my boat for hurricane damage?” The short answer? Yes—but timing is everything.
Boat insurance in Florida can include hurricane and named-storm coverage, but most carriers place binding restrictions once a storm is approaching. That means once a system is named or enters the forecast cone, it’s too late to get or change your coverage.
🌪️ What Does Hurricane Coverage Include?
When you add hurricane coverage to your Florida boat policy, you may be protected from:
Wind and wave damage caused by named tropical storms or hurricanes
Damage from storm surge or flooding (depending on policy type)
Cost to salvage or remove your boat after a storm
Emergency haul-out or storage reimbursement to protect your vessel before landfall
Policies differ by insurer, but we work with top marine carriers like Progressive, Ahoy!, GEICO, and American Integrity to find options that best suit your location, boat type, and storage method.
⚠️ Don’t Wait for a Storm to Get Coverage
Insurance companies shut down new policies or coverage changes when a storm is near. That means if you wait until a storm is already on the radar—you’re out of luck.
At Barefoot Insurance Brokers, we strongly recommend Florida boaters lock in coverage well before June 1st or at least early in the season. We’ll help you understand named-storm exclusions and how to protect your investment year-round.
🌴 Serving Coastal Brevard County Boaters
We proudly serve Florida’s boating community in Brevard County, including these five most populated coastal regions:
City
ZIP Codes
Palm Bay
32905, 32907, 32909
Melbourne
32901, 32935, 32940
Cocoa Beach
32931
Titusville
32780, 32796
Satellite Beach
32937
Lowest priced zip codes for boat insurance in Brevard County, Florida
From riverfront docks to Atlantic marina slips, we help Space Coast boaters secure peace of mind with the right coverage at the right price.
💰 Affordable Boat Insurance Starting at Just $75/Year
Through Progressive, some annual marine insurance policies start at just $75! Rates depend on:
Boat size, age, and type
Storage location (marina, trailer, lift, or dry dock)
Are you a florist, garden center, or plant shop owner in Florida? Whether you’re arranging orchids in Vero Beach (32960) or growing your gift shop in Lakeland (33801), your retail operation deserves the right protection to thrive.
At Barefoot Insurance Brokers, we specialize in helping small businesses like yours secure tailored coverage through the Progressive Business Owners Policy (BOP)—a flexible, all-in-one insurance package built for retail and service-based businesses across the Sunshine State.
🌿 Why Florida Florists Need a Business Owners Policy (BOP)
As a florist or plant retailer, your shop is more than just a storefront—it’s where creativity meets commerce. With perishable inventory, fragile equipment, and daily foot traffic, one unexpected incident could disrupt your operations. That’s where a Progressive BOP comes in.
✅ Included in a Progressive BOP for Florists:
Business Property Coverage (for your flowers, displays, fridges, and decor)
General Liability Protection (if a customer slips or property is damaged)
Business Interruption Insurance (replaces lost income if you must close due to a covered loss)
Equipment Breakdown (including refrigeration or HVAC systems)
With Progressive’s strong appetite for retail and gift shop classes, florists and plant shop owners are a perfect match—especially if you don’t manufacture or import your products, and your business operates under 4 locations and $5M in total insured value.
🌴 Tailored Coverage for Florida ZIPs
We proudly serve retail florists and garden businesses throughout:
Lakeland (33801)
Vero Beach (32960)
Tampa (33614)
Naples (34102)
Port St. Lucie (34953) …and all across Florida’s coast and central communities.
Looking for florist insurance near me or business insurance for plant shops in Florida? You’ve found your go-to agency.
💐 Bundle Peace of Mind with Your Petals
Whether you’re a seasoned florist with an established clientele or a new plant shop opening in a Florida neighborhood, Barefoot Insurance Brokers can help you quote fast, save with multi-policy discounts, and protect your business from common risks.
You can even bundle your Progressive BOP with Commercial Auto or a Personal Auto policy to unlock extra savings!
A recent Sun Sentinel article (August 16, 2025) raised a critical question: should high-rise residents stay during a Category 5 hurricane—or evacuate? While some concrete-and-steel buildings are designed to endure extreme winds, experts caution that evacuation is often the safest choice due to risks like flooding, power outages, debris, and limited emergency response access.
Why Evacuation Is the Safer Option
Category 5 winds exceed 157 mph, capable of causing catastrophic building damage—especially when combined with storm surge and flooding Wikipedia.
Even structurally sound high-rises can become unsafe due to broken glass, elevator failures, prolonged power loss, or compromised emergency systems.
Emergency officials consistently advise evacuating when warned, as delays can become life-threatening AP News.
Insurance: Know What’s Covered—and What’s Not
If you’re a high-rise condo owner in Florida, it’s crucial to understand how insurance works before disaster strikes:
Condo Association (Master) Policy Typically covers the building’s exterior and common elements, like walls, roof, and lobby. Windstorm and hazard coverage is mandatory for Florida coastal associations—though some may attempt to exclude wind coverage, this generally requires member approval Williams Law.
Your Individual HO‑6 (Unit‑Owners) Policy Covers what’s inside your bare walls—including walls, floors, ceilings, personal belongings, loss of use, liability, and assessments from damage to shared areas Slide InsuranceMerlin Law Group.
It’s vital to confirm that your policy includes windstorm damages, hurricane deductibles, and loss assessment coverage.
Hurricane Deductible Details Florida requires insurers to offer hurricane deducibles—often fixed dollar amounts ($500) or percentages (2%, 5%, 10% of dwelling limit) myfloridacfo.com. Know your deductible and how it applies to each claim.
Coverage Gaps Can Be Costly Without proper HO-6 coverage, you could be left footing the bill for interior repairs, replacement of belongings, temporary living expenses, or fees levied by your association.
What You Can Do Now
Review both your association’s policy and your HO-6 policy—especially coverage for wind, content, loss assessments, temporary living expenses, and liability.
Clarify your hurricane deductible: Understand its amount, how it’s applied, and if it resets each storm season.
Assess gaps or overlaps—for example, if your unit’s walls-in coverage is inadequate or if your personal property isn’t fully protected.
Let Barefoot Insurance Brokers Help
Improve your storm preparedness and peace of mind with expert guidance:
Schedule a policy review with Barefoot Insurance Brokers to ensure your HO-6 coverage aligns with your building association’s master policy.
We also offer tailored quotes for your condominium association’s insurance, helping you compare and secure the right scope and pricing.
Located in Florida, we specialize in hurricane-savvy coverage—our clients get clarity and confidence before the next storm hits.
In summary: Evacuating during a Category 5 storm is the prudent choice—even in well-built high-rises. But beyond evacuation, being insurance-ready is just as critical. Don’t wait until it’s too late—connect with Barefoot Insurance Brokers now to review and shore up your coverage.
About the Author Julia Dourvetakis is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 30 years of experience to the insurance industry. She specializes in coastal property insurance, workers’ compensation, Condo Association Packages, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia for tailored insurance solutions, email her at julia@barefootins.com or call/text 954-866-5723.
Florida boaters face more than just sunshine and salty air. From hurricane season to theft risks and boating injuries, the right boat insurance policy isn’t just smart—it’s essential.
At Barefoot Insurance Brokers, we work with leading carriers like Progressive, GEICO, Ahoy!, and American Integrity to help you find the best coverage at the best price. If you’re searching for boat insurance in Broward County, read on to learn what your policy should cover—and why it matters.
🛥️ So, What Does Florida Boat Insurance Actually Cover?
Here’s what most standard Florida boat insurance policies include:
✅ 1. Liability Coverage
Covers bodily injury or property damage to others if you’re at fault in a boating accident. Required by many marinas and highly recommended in high-traffic areas.
✅ 2. Physical Damage
Pays for repairs or replacement of your boat due to collisions, sinking, fire, vandalism, or theft. Can apply to the hull, motor, electronics, and more.
✅ 3. Theft & Vandalism
Florida has one of the highest boat theft rates in the country. Your policy can cover stolen boats, trailers, or onboard items, depending on the carrier.
✅ 4. Hurricane & Storm Damage
Yes—hurricane coverage is available through many of our insurers, but you need to act early in the season before storm restrictions apply.
✅ 5. Medical Payments & Guest Liability
Helps cover medical expenses if you or your passengers are injured while on the water.
✅ 6. Fuel Spill & Wreckage Removal
Covers cleanup costs if your boat leaks fuel or sinks—something not always included by default.
🌴 Serving Coastal Broward County Boaters
We’re proud to insure boat owners in the five most populated coastal areas of Broward County, including:
City
ZIP Codes
Fort Lauderdale
33301, 33304, 33305, 33308
Hollywood
33019, 33020, 33021
Pompano Beach
33060, 33062, 33064
Deerfield Beach
33441, 33442
Dania Beach
33004, 33312
South Florida Zip Codes with Affordable Pricing
Whether you’re docked at home, in a marina, or trailering your boat to the Keys, we’ll help make sure you’re covered from bow to stern.
💰 Rates Start at Just $75 Per Year
Yes, you read that right—boat insurance through Progressive starts at just $75 annually for eligible vessels. Premiums vary based on your boat’s value, age, use, and ZIP code, but we shop multiple carriers to make sure you’re getting the best deal.
📞 Ready for a Quote?
Let Zack Epstein at Barefoot Insurance Brokers help you compare quotes and find the perfect marine policy for your boat, lifestyle, and budget.
