by barefootins | Jul 13, 2026 | Florida Insurance, Personal Insurance
Buying a home in Fort Lauderdale is exciting. Whether you’re relocating from another state or purchasing your first Florida property, homeowners insurance is one of the most important parts of protecting your investment. Afterall, your home is usually your highest valued asset.
One of the biggest surprises for new Florida homeowners is learning that homeowners insurance doesn’t cover everything.
What Does Florida Homeowners Insurance Typically Cover?
Most homeowners insurance policies help protect against:
Fire and smoke damage
Wind damage from many storms
Theft and vandalism
Liability claims
Damage to personal belongings
Additional living expenses after a covered loss
Coverage varies by carrier and policy, so reviewing your specific protection is important.
Does Homeowners Insurance Cover Hurricanes?
This is one of the most common insurance coverage questions we receive at Barefoot Insurance Brokers.
In many cases, wind damage caused by hurricanes may be covered under your homeowners policy. However, Florida policies often include a separate hurricane deductible that works differently than a standard deductible on your home insurance policy.
Understanding this deductible before hurricane season can help prevent surprises during a claim.
Is Flood Insurance Included in your homeowner’s insurance policy?
Usually not.
Most homeowners insurance policies in Florida do not cover flood damage caused by rising water, storm surge, heavy rainfall, or overflowing canals and drainage systems.
Many Florida homeowners choose separate private market or NFIP flood insurance to help fill this gap.
What About Roof Damage?
Roof damage may be covered when caused by a covered event, such as certain windstorms.
However, roof age, condition, and maintenance history can affect how coverage applies and what insurance options are available.
Questions Every New Florida Homeowner Should Ask
Before closing on a Florida home and buying Florida Homeowner’s Insurance, consider asking your broker:
What is my hurricane deductible?
Is flood insurance recommended?
Does my roof qualify for insurance discounts?
Are wind mitigation credits available?
Do I have enough coverage to rebuild my home?
Helping Florida Homeowners Understand Their Coverage
Whether you’re moving to Fort Lauderdale, Boca Raton, Palm Bay, Melbourne, Port St. Lucie, Jacksonville, or anywhere else in Florida, understanding your homeowners insurance before you need it can make a significant difference.
Kassy helps Florida homeowners review their coverage options, identify potential gaps, and better understand how their policy works before hurricane season arrives.
About the Author
Kassandra “Kassy” Mendez is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing years of industry experience in personal lines coverage to Florida homeowners and families. Her areas of expertise include flood insurance, homeowners insurance, high-valued and coastal home insurance, wind-only coverage, personal umbrella policies, and auto insurance throughout Florida. Kassandra Mendez is known for helping her insurance clients navigate complex risk exposures with clarity and confidence. You can reach Kassy Mendez directly at kassy@barefootins.com or call/text 754-233-0637 to discuss your insurance needs.
đź‘Ł Go Barefoot All Year Long.
by barefootins | Jul 8, 2026 | Florida Insurance, Marine Insurance, Personal Insurance
Sanibel & Captiva Flood Insurance Guide
Flood Insurance for Coastal Homes in Southwest Florida
Flooding is one of the most significant risks for homeowners living on Sanibel and Captiva Islands. Even properties outside high-risk flood zones can experience flooding from heavy rainfall or storm surge. Did you know that 38% of floods occur in zones that are considered “low risk?”
Barefoot Insurance Brokers helps homeowners obtain reliable Florida flood insurance coverage at affordable prices throughout the state.
Flood Insurance Options
Homeowners may choose between:
• FEMA National Flood Insurance Program (NFIP) policies
• Private flood insurance with higher limits and additional coverage
Private flood insurance programs often provide higher building limits and coverage for additional living expenses, loss of use coverages and offer coverage in areas that the NFIP would otherwise exclude, like CBRA
Protecting Homes in Coastal Communities
Flood insurance is particularly important for homes located in:
• Gulf-front properties
• Canal communities
• Low-lying coastal areas
Work with Allie Horblitt
Florida insurance broker Allie Horblitt helps property owners compare flood insurance options to find the best protection for their homes.
Contact Barefoot Insurance Brokers today for a flood insurance quote.
About the Author
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@barefootins.com or call/text 786-440-8242
by barefootins | Jul 2, 2026 | Florida Insurance, Personal Insurance
Insurance for Jewelry, Art, Guns and Collectibles in Sanibel and Captiva Island, Florida
Many homeowners in Sanibel and Captiva own valuable personal property such as jewelry, artwork, collectibles, and specialty equipment. You may have a garage full of fishing gear, hunting gear or beaded costumes for your dogs.
Standard homeowners insurance policies often limit coverage for these items and further, some homeowner’s insurance policies even exclude personal property on the policy or exclude causes of loss.
What Is a Personal Article Floater?
A personal article floater insurance policy provides additional protection for valuable items beyond the limits of a homeowners policy. The limits of your personal article floater can be based on appraisal and policies are fully customizable to fit your needs.
These policies commonly cover:
• Jewelry
• Watches
• Artwork
• Collectibles
• Musical instruments
• Gun Collections
• Fishing poles, reels and gear
• Hobby technology like sewing machines, 3D Printers, Engravers and more
Why Homeowners Choose Personal Article Floaters
These policies often provide:
• Broader coverage
• Lower deductibles
• Protection for accidental loss
• Customizable terms for handling claims
Speak with Allie Horblitt
Florida insurance broker Allie Horblitt helps homeowners insure their valuables with specialized coverage. I’m reachable on my cell @ 786-440-8242 and offering coverage for your valuables across Florida by phone and email through major insurers including BriteCo Insurance.
About the Author
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@barefootins.com or call/text 786-440-8242
by barefootins | Jun 29, 2026 | Florida Insurance, Personal Insurance
Assisting Residents of Clewiston, LaBelle, Southern Okeechobee Region by phone @ 954-368-0060
Residents of Clewiston and LaBelle depend heavily on their vehicles and homes in rural South Florida communities.
Barefoot Insurance Brokers helps families across Hendry County compare:
• Florida Auto Insurance
• Homeowners Insurance
• Flood Insurance
• Personal Article Floater Coverage
• SR-22 and FR-44 Insurance
We can insure all of your recreational products, boat and farm equipment, too!
Local residents can work directly with Florida insurance broker Allie Horblitt to compare policies from multiple insurance carriers.
đź“ž 954-368-0060
📧 allie@barefootins.com
Allie Horblitt
About the Author
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@northbrowardinsurance.com or call/text 786-440-8242.
by barefootins | Jun 25, 2026 | Florida Insurance, Personal Insurance
Protecting Luxury Homes on Captiva Island with the Right Florida Insurance Coverage offered through Barefoot Insurance Brokers
Captiva Island is one of Florida’s most beautiful coastal communities, known for its pristine beaches, boating lifestyle, and luxury waterfront homes. However, owning property on a barrier island also means facing unique insurance challenges.
At Barefoot Insurance Brokers, Florida insurance broker Allie Horblitt helps homeowners secure reliable coverage for high-value properties throughout Captiva Island.
Insurance Coverage Captiva Homeowners Should Consider
Because of coastal exposure, many homes on Captiva Island benefit from a layered insurance strategy that may include:
• Florida Homeowners Insurance
• Flood Insurance (NFIP or Private Flood Programs)
• Personal Article Floater Insurance for jewelry, art, and collectibles
• Personal Umbrella Liability Coverage
Barrier-island homes often require specialty underwriting due to wind exposure and high rebuild costs.
Auto Insurance for Captiva Island Residents
Even on a small island, reliable Florida auto insurance remains important. Barefoot Insurance Brokers helps drivers compare policies from multiple carriers and can assist with:
• Standard Florida auto insurance policies
• SR-22 insurance filings
• FR-44 insurance policies
Barefoot Insurance Brokers work with an array of A-rated auto insurers to compare products, coverages and rates with our clients including Progressive Insurance, GEICO, Kemper, Traveler’s Insurance, Mercury Insurance, National General, an Allstate Company, The General, Bristol West offered through Farmers Group of Companies and more!
Work with a Florida Insurance Broker Who Understands Coastal Risks
Florida insurance broker Allie Horblitt works with homeowners across Southwest Florida to compare policies from multiple carriers and find coverage that fits their property, lifestyle, and budget.
Get a Quote
Homeowners and seasonal residents in Captiva Island can contact Allie for a free insurance review.
About the Author
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@barefootins.com or call/text 786-440-8242
by barefootins | Jun 15, 2026 | Florida Insurance, Personal Insurance
Assisting customers across Florida and especially in Kissimmee, St Cloud, Celebration, Buena Ventura Lakes, Campbell, Yeehaw Junction by phone at 321-218-3880
Affordable Florida Auto and Home Insurance in Osceola County
Families throughout Osceola County rely on dependable insurance protection to safeguard their homes, vehicles, and valuables.
Barefoot Insurance Brokers helps residents in Kissimmee, St Cloud, Celebration, Buena Ventura Lakes, Campbell, and Yeehaw Junction compare competitive Florida personal insurance policies.
Florida Auto Insurance Options
Drivers across Osceola County can obtain:
• Standard auto insurance
• SR-22 insurance filings
• FR-44 insurance coverage
• High-risk driver insurance programs
• Owner and non-owner auto policies
Homeowners Insurance in Kissimmee and St Cloud
Whether you own a home in Celebration or a new property in St Cloud, protecting your investment with reliable homeowners insurance is essential.
Barefoot Insurance Brokers compares policies from multiple carriers to find competitive pricing.
Flood Insurance for Central Florida Homes
Flood insurance is important even for inland homes due to Florida’s heavy rainfall and storm systems.
Protecting Valuables with Personal Article Floaters
Coverage for jewelry, collectibles, musical instruments, and other valuables can be added through personal article floater policies.
Speak with Allie Horblitt
Allie Horblitt, a Florida insurance broker with Barefoot Insurance Brokers, helps Osceola County residents find affordable coverage across multiple carriers.
Allie Horblitt
About the Author
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@northbrowardinsurance.com or call/text 786-440-8242.
