Homeowner’s Insurance in Florida | Protect Your Home & Family

Homeowner’s Insurance in Florida

Your home is your most valuable investment — and in Florida, it faces some of the most unpredictable risks in the country. From hurricanes and tropical storms to lightning strikes and theft, the right Homeowner’s Insurance ensures your home, belongings, and peace of mind are protected.

At Barefoot Insurance Brokers, we specialize in helping Florida homeowners secure the best protection for their property through top-rated insurers. Whether you own a single-family residence, condo, vacation home, or rental property, our experienced agents will find the coverage you need at a price you can afford.

Why You Need Homeowner’s Insurance in Florida

Homeowner’s insurance protects you financially if your home or belongings are damaged or destroyed by covered perils — and it also shields you from liability if someone is injured on your property.

In Florida, homeowner’s coverage is especially important because:

  • The state faces frequent hurricanes and tropical storms.
  • Many areas experience flooding and wind damage each year.
  • Home repair and replacement costs continue to rise statewide.
  • Mortgage lenders require proof of active coverage for all financed homes.

Even if you own your home outright, going without insurance exposes you to significant out-of-pocket costs after a storm, fire, or lawsuit.

What Does a Florida Homeowner’s Policy Cover?

A standard HO-3 homeowner’s insurance policy typically includes:

Dwelling Coverage

Pays to repair or rebuild your home after damage from covered perils like fire, wind, hail, or theft.

Other Structures

Covers detached structures like garages, fences, sheds, and pool enclosures.

Personal Property

Protects furniture, electronics, clothing, and other belongings, even if they’re stolen from your car or damaged away from home.

Loss of Use

Covers additional living expenses (like hotel stays or meals) if your home becomes uninhabitable after a covered event.

Personal Liability

Covers legal expenses and damages if you’re found responsible for someone’s injury or property damage.

Medical Payments

Covers minor medical costs for guests injured on your property, regardless of fault.

Florida-Specific Risks: Hurricanes, Flooding & Windstorm

Because of Florida’s exposure to tropical weather, it’s important to understand which perils are covered — and which require separate policies.

  • Windstorm & Hurricane Damage:
    Covered under most Florida homeowner’s policies, though separate hurricane deductibles may apply.
  • Flood Damage:
    Not covered by standard homeowner’s insurance. Barefoot Insurance Brokers can help you add a private or NFIP flood policy to fully protect your home.
  • Sinkhole & Ground Collapse:
    Limited coverage is included in most Florida policies, with optional upgrades available.
  • Roof & Water Damage:
    Recent law changes make roof coverage complex — our agents ensure your policy includes modern, compliant protection for your home’s construction and age.

Replacement Cost vs. Actual Cash Value

When selecting coverage, you’ll need to decide how claims are settled:

  • Replacement Cost Coverage (RCV): Pays to rebuild or replace your home and belongings without depreciation.
  • Actual Cash Value (ACV): Pays the depreciated value of your home or items at the time of loss.

Most Florida homeowners choose replacement cost coverage to avoid financial shortfalls after major losses — especially given the state’s rising construction costs.

Optional Coverages to Consider

Barefoot Insurance Brokers can tailor your homeowner’s policy with optional endorsements to enhance your protection:

  • Flood Insurance (private or NFIP)
  • Personal Umbrella Liability for higher limits
  • Jewelry and Valuables Protection
  • Screen Enclosure and Pool Coverage
  • Ordinance or Law Coverage for code upgrades during rebuilding
  • Water Backup or Sewer Overflow
  • Home Business or Equipment Endorsements

Our team reviews your home’s features, location, and potential risks to build a custom package that covers what matters most.

Homeowner’s Insurance for Every Type of Florida Residence

Primary Residences

Comprehensive protection for your full-time home, including wind, fire, theft, and liability coverage.

Vacation Homes & Second Properties

Flexible coverage for seasonal residences or short-term rentals. We’ll help you coordinate with property management or Airbnb requirements.

Condos (HO-6 Policies)

Protects your interior unit, upgrades, and personal belongings while complementing your condo association’s master policy.

Rental & Investment Homes (DP-3 Policies)

Coverage for landlords renting single-family or multi-unit properties, including loss of rent protection.

Manufactured or Mobile Homes

Specialized programs available for homes in parks or private lots, including windstorm coverage.

No matter the type of property, we’ll ensure your coverage meets local insurance guidelines and lender requirements.

Why Florida Homeowners Choose Barefoot Insurance Brokers

Barefoot Insurance Brokers is an independent Florida insurance agency with access to dozens of national and regional carriers — including markets that specialize in coastal and wind-prone properties.

We provide:

  • Personalized coverage reviews for each property
  • Multi-carrier comparisons to find the most competitive rates
  • Local expertise in Florida’s insurance regulations and building codes
  • Flood, wind, and umbrella bundling options
  • Responsive service from experienced agents who live and work here

We serve homeowners across Broward, Brevard, Martin, and Palm Beach Counties, offering the personal attention you won’t find from national call centers.

How to Save on Homeowner’s Insurance in Florida

Our agents can help you lower costs with these strategies:

  • Bundle your home with auto, boat, or umbrella insurance.
  • Install wind mitigation features like hurricane shutters or impact windows.
  • Maintain a favorable insurance score and consistent coverage history.
  • Choose a higher deductible if financially comfortable.
  • Review your coverage annually to stay aligned with market changes.

We’ll help you identify every discount available — and make sure you’re not overpaying for unnecessary coverage.

Get a Homeowner’s Insurance Quote Today

Don’t leave your biggest investment exposed to Florida’s unpredictable weather and market. Protect your home and family with trusted coverage from Barefoot Insurance Brokers.

📞 Call Barefoot Insurance Brokers at 954-368-0060 for your homeowner’s insurance quote today, or email one of our licensed Florida agents:

Barefoot Insurance Brokers — protecting Florida homes and families from the ground up.