What do I need for a Florida homeowners insurance quote?

Usually the property address, year built, square footage, construction type, roof age, roof material, occupancy, current policy if there is one, wind mitigation report, 4-point inspection if requested, prior claims, mortgagee details, flood-zone or lender flood requirement, and any closing or renewal deadline.

Do I need a wind mitigation inspection before getting a quote?

Not always, but it can help. A wind mitigation inspection documents features that may affect available credits and pricing, including roof shape, roof deck attachment, roof-to-wall connection, secondary water resistance, and opening protection. If you already have the report, send it with the quote request.

When does a Florida home insurance quote need a 4-point inspection?

It depends on the home, carrier, age, and condition. Older homes are more likely to need a 4-point because the roof, electrical, plumbing, and HVAC details can change the available options. If you already have the inspection, send it with the quote.

Does homeowners insurance include flood in Florida?

No. Flood is usually separate from a standard homeowners policy. If the lender requires flood coverage, the home is near water, or the flood zone is unclear, flood should be reviewed alongside the homeowners quote instead of after the fact.

Is replacement cost the same as purchase price or market value?

No. Dwelling coverage should be reviewed around estimated rebuild cost, not simply the purchase price, Zestimate, appraised value, or land value. Those numbers can point in very different directions.

What if I am missing some documents?

Start with what you have. We can tell you which missing items would help the quote now and which ones can follow later.

Florida homeowners quote prep

Florida Home Insurance Quote Documents Checklist

Buying, refinancing, renewing, or shopping after a rate increase? Gather the roof age, wind mitigation, 4-point details, flood answer, mortgagee clause, claims history, and deadline before the lender or carrier asks twice.

Send My Quote Details 1-800-252-6885

What to have ready

Roof age and update years
Wind or 4-point reports if available
Mortgagee clause and deadline
Flood-zone and claims details

Need the broader coverage overview first? Start with our Florida homeowners insurance page.

Florida home insurance quote documents on a table outside a house

Florida homeowners quote checklist, fast version

Property basics: address, year built, square footage, construction type, roof shape/material, occupancy, purchase or renewal status, and who will live there.
Roof and updates: roof age, permit or replacement records, photos if available, and update years for electrical, plumbing, HVAC, and water heater.
Inspection documents: wind mitigation report, 4-point inspection if the home is older or requested, and any recent home inspection from the purchase file.
Coverage targets: current declarations page, desired dwelling limit if known, personal property needs, liability preference, and deductible comfort level.
Flood and wind context: flood-zone check, lender flood requirement, distance-to-water concerns, hurricane deductible questions, and whether separate flood coverage should be quoted.
Closing or mortgage details: lender/mortgagee clause, loan number if available, closing date, escrow contact, prior claims, prior cancellation/non-renewal notes, and the date coverage is needed.

Checklist to quote

Have the basics? Send the quote now and attach documents as they are ready.

You do not need every inspection before starting. The address, roof story, current policy, flood or lender requirement, and deadline help Jenna decide what the quote needs next.

Start with the exact property address or send the current renewal.

Jenna compares your home with top carriers offering coverage in Florida.

See the coverage and pricing options, then choose the one that works for you.

Start Home Quote Check My Address First Inspection Guide 1-800-252-6885

Copyable checklist

What documents do I need for a Florida home insurance quote?

Use this as the document set. You do not need every item for every home, but these are the details most likely to affect pricing, eligibility, lender proof, and how quickly we can compare options.

Secure Greene home quote form

Opens our dedicated home quote intake form. Missing a report? Call first and we will tell you which document matters.

Property facts

Full property address and ZIP code
Year built, square footage, construction type, number of stories, and occupancy
Purchase, refinance, renewal, or currently owned home status

Roof and updates

Roof age, roof material, roof shape, and any permit or replacement records
Electrical, plumbing, HVAC, and water-heater update years
Roof photos or repair receipts when the roof age is unclear

Inspections

Wind mitigation report if you have one
4-point inspection if the home is older or the carrier requests it
Purchase inspection, repair list, or seller disclosures if they explain a condition issue

Current policy and coverage

Current declarations page if the home is already insured
Preferred deductible comfort level and any liability or personal property needs
Questions about replacement cost if the sale price and rebuild estimate do not match

Flood questions

Flood-zone or lender flood requirement
Elevation certificate if one exists
Any prior flood policy, NFIP policy, or private flood quote

Lender, deadline, and claims

Mortgagee clause, loan number if available, escrow contact, and closing date
Prior claims, prior cancellation, or non-renewal notes
The date proof of insurance is actually needed

Coverage A starting point

Estimate the dwelling limit before you compare prices

The quote form can start without every document, but a Coverage A planning range makes the comparison more useful. Use the calculator when you are not sure what it may cost to rebuild the home, then send the summary with the quote.

Helpful for purchases where sale price and rebuild cost are different.
Useful when the current declarations page looks outdated.
Call first if the estimate creates a lender, escrow, or closing-deadline question.

Turn the estimate into a quote

Jenna uses the property details, rebuild-cost estimate, roof records, and available discounts to compare coverage and prices.

Estimate Coverage A Send Home Details Call 1-800-252-6885

Situation-based prep

What to gather based on why you need the home quote

A purchase, refinance, renewal increase, and missing inspection need different starting details. Choose the scenario that matches your timeline.

Buying a home in Florida

Start with the closing date, lender contact, mortgagee clause, purchase inspection, roof age, wind mitigation report if available, and any seller repair documentation. The goal is to avoid discovering a missing roof or lender detail during closing week.

Refinancing a Florida home

Send the current declarations page, mortgagee update, escrow instructions, flood requirement, and any requested evidence deadline. If the lender is changing, the mortgagee wording matters as much as the premium.

Shopping a renewal increase

Send the renewal offer, current declarations page, roof records, wind mitigation report, deductible page, and claims history. That lets us compare the coverage, roof terms, deductibles, escrow change, and prices available now.

Closing next week

Call with the address, closing date, mortgagee clause, lender contact, roof age, inspection status, and flood information. We can compare options around the deadline.

Missing wind mitigation or 4-point reports

Tell us the year built, roof age, and which inspections you already have before ordering another report. We can help you decide which document will help the quote.

Choose the right homeowners page

Choose the home insurance help that matches your next step

Use this page to gather quote documents. For inspection questions, a renewal increase, or Florida pricing context, choose the matching guide below.

Use the inspection guide for 4-point or wind reports

You already know the quote needs a 4-point inspection, wind mitigation report, roof age, or electrical, plumbing, HVAC, or water-heater documentation answer.

Review inspection documents

Use the renewal review if the premium jumped

You received a Florida homeowners renewal increase and want to compare the declarations page, dwelling limit, roof records, wind credits, deductibles, escrow change, coverage, and price.

Check the renewal increase

Use the cost guide for rate context

You want the bigger picture on Florida homeowners insurance cost drivers, county differences, roof age, rebuild cost, flood, hurricane deductibles, and address-level pricing.

Compare cost factors

What to have ready before you ask for a Florida homeowners quote

Send the house, roof, occupancy, lender, and flood details you already have. Jenna can identify anything else needed to compare the available coverage and prices.

Home facts that help us compare quotes

Start with the full property address, year built, square footage, construction type, roof shape, roof material, number of stories, occupancy, and whether this is a purchase, refinance, renewal, or currently owned home. These details help us compare the available coverage and prices accurately.

Roof age, roof proof, and major updates

Roof age is one of the first Florida homeowners questions. Have permit records, replacement invoices, roof photos, or inspection notes when you can. Also gather electrical, plumbing, HVAC, and water-heater update years, especially for older homes.

Wind mitigation and hurricane deductible details

A wind mitigation inspection can document features such as roof deck attachment, roof-to-wall connection, opening protection, and secondary water resistance. Florida's OIR form shows the details that can affect available credits and price.

4-point inspection and purchase inspection packet

If the house is older, has recent repairs, or is being bought under deadline, a 4-point inspection may be requested. Keep the purchase inspection, seller disclosures, repair receipts, and photos handy so electrical, plumbing, HVAC, or roof questions can be answered quickly.

Coverage limits, deductibles, and current policy

Send the current declarations page if one exists. That gives a starting point for dwelling coverage, other structures, personal property, liability, hurricane deductible, and optional endorsements. The replacement-cost conversation should not be confused with the home's sale price.

Mortgagee, flood, claims, and closing deadline

If a lender is involved, send the mortgagee clause, escrow contact, loan number if available, and closing date. Also gather any flood-zone or lender flood requirement, prior claims, prior cancellations, and the date proof of insurance is actually needed.

How our office compares the quote

How we organize a Florida home insurance comparison

Our Lake City personal-lines team writes homeowners coverage across Florida, so we see different quote needs inland, near the coast, and during purchases or refinances. North Florida homes often need roof, update-year, and 4-point details. Coastal homes may also need wind, flood, and lender information. Jenna uses the checklist to focus on the details that help carriers price the home.

If the home is actually a mobile or manufactured home, use the mobile-home checklist instead. The intake details are different enough that the mobile-home checklist gives you a faster starting point.

Open the mobile-home quote checklist

1. Tell us what kind of quote this is

Say whether this is a purchase, refinance, renewal comparison, new-to-you home, or currently owned home. That helps us match the lender, inspection, and timing details to the quote.

2. Send the basics before the reports

Address, year built, square footage, construction type, occupancy, roof age, and closing or renewal date come first. A wind report cannot replace the core property facts.

3. Match documents to the quote question

Roof questions use roof records. Wind-credit questions use wind mitigation. Older homes may need a 4-point inspection. Lender timing uses the mortgagee clause and deadline. Send the documents that match the home.

4. Review home and flood together

Homeowners and flood insurance are separate decisions. If the lender mentions flood or the home is near water, compare both prices and effective dates together.

Florida home insurance documents that make the quote move faster

Florida home quotes slow down when the roof, inspections, flood answer, or mortgagee wording shows up late. Send these early when you have them, and ask us which ones actually matter if you do not.

Current declarations page

If you already have coverage, the declarations page is the easiest way to compare limits, deductibles, endorsements, mortgagee wording, and premium against new options.

Wind mitigation report

If you have an OIR-B1-1802 wind mitigation form, send the full report rather than only the discount page. The details matter more than the label.

4-point or inspection report

Older homes, recently purchased homes, and homes with repair questions may need inspection support. Electrical, plumbing, HVAC, and roof sections provide the details carriers commonly request.

Roof records and permits

Roof permits, invoices, completion dates, and roof photos help carriers price the roof age and condition accurately.

Mortgagee clause and deadline

For purchases and refinances, send the exact lender clause, closing date, escrow contact, and evidence-of-insurance deadline so the policy documents match the loan.

Flood-zone and elevation context

A homeowners quote does not solve the flood question by itself. If the lender asks for flood, or the home sits near water, flood should be reviewed alongside the home quote.

Call before your Florida homeowners quote if any of these apply

For an older home, lender deadline, roof question, or prior claim, a quick call can help us compare the right options.

Older home or unknown updates

If you do not know the roof, electrical, plumbing, HVAC, or water-heater age, call us. We can help identify the details needed for an accurate comparison.

Roof age or wind mitigation uncertainty

If the roof is older, recently repaired, or missing documentation, say that early. If you have wind mitigation, send it. If you do not, ask whether it is worth ordering before renewal or closing.

Closing, refinance, or lender deadline

If a lender needs evidence of insurance, send the mortgagee clause, closing date, and lender contact so the quote and policy documents stay on schedule.

Claims, cancellations, or non-renewal

Prior claims and prior carrier action do not automatically end the quote. Share them early so we can compare the options accurately.

Personal-lines review

Reviewed by Jenna Greene

Jenna handles personal-lines quoting for Florida homeowners who need plain-English help with roof questions, wind mitigation, inspection documents, flood gaps, and lender deadlines.

Personal Lines Manager • Florida 4-40 Customer Representative License W055787

Meet our team Call 1-800-252-6885

Official Florida home insurance sources used for this checklist

This page mixes public-source facts with normal quote-prep guidance from our personal-lines workflow. When a detail comes from a government or official source, use the direct link below.

Florida OIR homeowners insurance overview

Use this for the state insurance context behind homeowners availability, company oversight, and Florida-specific questions before comparing coverage and prices.

Florida DFS homeowners insurance toolkit

Use this when the decision is coverage shopping, deductible tradeoffs, claim-history questions, or consumer protection language around the quote process.

My Safe Florida Home Program

Use this for wind-mitigation inspection and upgrade context when the quote includes roof, opening-protection, or wind-credit questions.

FEMA Flood Map Service Center

Use this to check flood-map context before assuming the lender, carrier, or buyer has the right flood-zone answer.

NFIP flood insurance overview

Use this for the separate-flood-policy decision, especially when a standard homeowners quote is being mistaken for a flood answer.

Florida wind mitigation inspection form OIR-B1-1802

Use this to see which wind-mitigation features a Florida inspector may document for available credits and pricing.

Florida Home Insurance Quote Checklist FAQs

Want help comparing home insurance before closing week?

Send what you have, tell us whether this is a purchase, refinance, renewal, or inspection issue, and we'll help compare the Florida homeowners options before the deadline gets tight.