Personal Insurance
Coverage for your home, your cars, your family
One conversation covers all of it. We review the policies you hold today, explain what differs between the options available, and help you decide what fits.
Homeowners Insurance
A closer look at Florida homeowners coverage.
Homeowners policies can differ in deductibles, roof age and condition, valuation, flood considerations, wind, and eligibility. The lowest price does not always mean the best fit.
We compare available options and explain limits, deductibles, exclusions, and endorsements before you choose. Actual coverage and any claim decision depend on the issued policy, the facts of the loss, and carrier review.
- Your home
- Coverage options for the insured dwelling, subject to covered causes of loss, valuations, deductibles, limits, and exclusions.
- Your belongings
- Coverage options for eligible personal property, subject to limits, sublimits, valuation terms, and exclusions.
- Your liability
- Coverage for eligible liability claims arising from covered occurrences, subject to policy terms and limits.
- Loss of use
- Coverage may address eligible additional living expenses after a covered loss, subject to policy limits and conditions.
Flood Insurance
Understand flood coverage for property near the water and beyond.
Standard homeowners policies generally exclude flood damage; flood coverage is commonly obtained separately, subject to the applicable policies and available options.
We help compare available flood options and explain covered property, limits, deductibles, exclusions, waiting periods, and how a flood policy may fit alongside homeowners coverage.
- Building coverage
- Protection options for the insured structure after covered flooding.
- Contents coverage
- Coverage options for eligible belongings inside the home.
- Policy comparison
- A clear review of available limits, deductibles, and policy terms.
- Coverage coordination
- Guidance on how flood and homeowners policies work together.
Auto Insurance
A clear review of auto coverage options.
Florida sets minimum auto insurance requirements, but appropriate limits, deductibles, and optional coverages depend on the household, vehicles, drivers, and finances.
We compare available options and explain liability, uninsured-motorist, collision, comprehensive, and selected additional coverages. The right limits depend on your situation, so we review your current coverage before discussing changes.
- Liability
- Coverage for eligible liability claims up to issued limits, subject to policy terms and exclusions.
- Uninsured motorist
- Available coverage for certain covered losses involving uninsured or underinsured motorists, subject to selections, limits, and policy terms.
- Your vehicle
- Selected collision and comprehensive coverage for eligible damage, subject to covered causes, deductibles, and exclusions.
- Additional options
- Available rental, roadside, and loan or lease gap features vary by policy and carrier.
Umbrella Insurance
An added layer of protection around what you have built.
Home and auto policies include liability limits, and a serious claim can exceed them. Umbrella insurance may provide an additional layer of liability protection above eligible underlying policies.
We review the limits you carry, explain where an umbrella policy may fit, and compare available options.
- Additional liability limits
- An extra layer above eligible underlying policies, subject to the umbrella contract’s terms, exclusions, and limits.
- Coverage review
- A practical look at current limits, assets, and potential exposures.
- Policy coordination
- Guidance on underlying policies and minimum limits the umbrella carrier may require.
Landlord & Investment Property Insurance
Protection for property that is also an investment.
A rental home has different exposures than an owner-occupied residence. The policy should reflect how the property is used, who occupies it, and the income and liability concerns around it.
We help Florida owners review available landlord and investment-property coverage with the building, liability, and loss-of-income picture in view.
- The dwelling
- Coverage options for the insured rental structure after a covered loss.
- Landlord liability
- Coverage options for eligible claims connected to the property, subject to policy terms and limits.
- Loss of rental income
- Coverage may address eligible lost rent after a covered loss, subject to limits, waiting periods, and policy conditions.
- Policy fit
- A review based on occupancy, property use, and other relevant details.
Common questions
Why did my homeowners premium go up so much?
Premium changes can reflect many rating, property, coverage, loss-history, reinsurance, and underwriting factors. We can compare available options, but no savings are promised. Accurate roof and property information may affect eligibility, pricing, or terms, and each carrier makes its own decision.
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage; flood coverage is commonly obtained separately, subject to the applicable policies and available options. We can review current policies and available options for the property.
Is bundling home and auto worth it?
Some carriers offer multi-policy pricing, but eligibility and total cost vary and separate carriers may compare differently. We can request available quotes both ways; bundling does not guarantee a discount, savings, broader coverage, or fewer gaps.
How much umbrella coverage should I consider?
The right amount depends on your assets, activities, and existing limits. We start by reviewing what you have today and then discuss available options.
Can I keep a homeowners policy when I rent out the property?
The policy should accurately reflect the property’s use. A standard owner-occupied homeowners policy may not fit a rental. We can review the situation and available alternatives.
Product information notice
These descriptions are general product information, not a quote or recommendation. Products, features, and availability vary by carrier. Coverage and benefits depend on the issued policy or contract, including its terms, conditions, exclusions, limits, and deductibles. Underwriting, eligibility, availability, pricing, and carrier approval may apply. Review the actual policy or contract with a licensed representative.
Speak with Robert
Rather talk it through? Call and ask the questions that matter for your home, your vehicles, and your family.