Personal Insurance
Comprehensive coverage to protect your home, family, and everything you've worked for.
Protect What Matters Most
Your home, car, and personal belongings represent years of hard work and financial investment. The right insurance coverage protects you from unexpected losses and gives you peace of mind.
At Greene & Associates, we've been helping Florida families find the right personal insurance for over 30 years. As an independent agency with access to 20+ carriers, we shop the market to find you the best coverage at the best price — so you can protect what matters without breaking the bank.
Personal Insurance Coverage
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"We shop the market so you don't have to."
As an independent agency, we're not tied to one insurance company. We compare coverage and pricing from 20+ top-rated carriers to find you the best deal — all in one conversation.
Independent agency — we shop 20+ carriers for you
Personalized service from a family-run agency
30+ years protecting Florida families
When you call, you get a real person who knows your name. No phone trees, no outsourced call centers — just honest, local service from a family-run agency that's been here for 30+ years.
Insurance Risks Every Florida Homeowner Should Know
Florida's insurance market is unlike any other state. These are the risks that catch North Florida homeowners off guard — and how the right coverage protects you.
Hurricanes & Named Storms
Florida leads the nation in hurricane exposure. Standard homeowners policies cover wind damage, but named storm deductibles — typically 2–5% of your home's insured value — can mean thousands out of pocket. Getting the right deductible structure matters.
Flooding (Not Covered by Home Insurance)
Standard homeowners and renters policies do not cover flood damage. Period. Florida is the #1 state for flood losses, and flood risk exists well outside FEMA high-risk zones. A separate flood policy — NFIP or private — is essential for most Florida homeowners.
Roof Age & Condition
Florida carriers scrutinize roofs heavily. A roof over 15–20 years old can get your policy non-renewed or limit your coverage to actual cash value instead of replacement cost. Knowing your roof's status before renewal avoids surprises.
Uninsured Drivers
Florida has one of the highest rates of uninsured drivers in the country — roughly 20% of drivers carry no insurance. Uninsured motorist coverage on your auto policy is not optional if you want to be protected against a hit-and-run or at-fault uninsured driver.
Sinkholes
Central and North Florida sit on karst limestone geology. Sinkhole coverage is available in Florida but not automatically included in standard homeowners policies. If your area has sinkhole activity, ask specifically about sinkhole or catastrophic ground cover collapse coverage.
Rapidly Rising Premiums
Florida home insurance rates have increased 30–60% over the past three years for many homeowners. Shopping the market annually — not just renewing with the same carrier — is one of the most effective ways to manage costs.
Why an Independent Agent Makes a Difference in Florida
Florida's insurance market is complex and constantly changing. Here's what shopping with an independent agent actually means for your coverage and your wallet.
We shop 20+ carriers — not just one
A captive agent (State Farm, Allstate) can only quote their own company. We compare rates and coverage across more than 20 top-rated Florida carriers and find the best fit for your specific home, location, and situation.
We re-shop every renewal
Florida's market shifts year to year. A carrier that was competitive last year may have raised rates significantly this year — or a better option may have entered the market. We check every renewal so you're not stuck overpaying out of inertia.
Claims advocacy when it matters most
After 30+ years in North Florida, we know which carriers handle claims well and which ones drag their feet. We're in your corner when you file — not just when you buy. Real agents who pick up the phone when you call.
Bundle savings done right
Bundling home and auto often saves 10–25% — but only if you're bundling with the right carrier. We run both scenarios (bundled vs. split) and show you the actual numbers. Sometimes one carrier wins everything. Sometimes the best strategy splits coverage between two.
Frequently Asked Questions
Common questions about personal insurance in Florida.
More questions? Call 1-800-252-6885 or get a free quote online.
Not Sure What Coverage You Need?
Give us a call and we'll walk you through your options — no pressure, no obligation. Just honest guidance from people who care.