Home Insurance
Your home is your biggest investment. Protect it with comprehensive homeowners insurance from Greene & Associates — we shop top-rated Florida carriers to find you the best rate.
What Does Home Insurance Cover?
A standard Florida homeowners policy includes these essential protections.
Dwelling Coverage
Covers repairs or rebuilding of your home's structure if damaged by covered perils like fire, wind, hail, or lightning.
Personal Property
Protects your belongings — furniture, electronics, clothing, and more — whether they're inside your home or elsewhere.
Liability Protection
Covers legal expenses and medical bills if someone is injured on your property or you accidentally damage someone else's property.
Additional Living Expenses
Pays for temporary housing and extra costs if your home becomes uninhabitable due to a covered loss.
Hurricane & Wind Coverage
Florida-specific protection against hurricane and windstorm damage — a must-have in our state.
Other Structures
Covers detached structures on your property like fences, sheds, detached garages, and pool enclosures.
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Start Your Free Quote →Why Florida Homeowners Need the Right Coverage
Homeowners Insurance Across Florida
Florida home insurance needs and costs vary dramatically by region. Understanding your local market helps you get the right coverage.
Southeast Florida
Miami-Dade, Broward, and Palm Beach face the highest homeowners insurance rates in Florida ($8,000-$15,000/year). Hurricane risk, insurance market crisis, and sea level rise drive costs. Many carriers have left the region entirely.
Tampa & Gulf Coast
Coastal properties face hurricane deductibles of 2-5% and high wind/hail premiums. Older roofs are difficult to insure. Tampa hasn't had a direct hurricane hit in 100+ years, but when it does, losses will be catastrophic.
Jacksonville & Northeast FL
More competitive rates than South Florida ($4,000-$7,000/year). Coastal properties still face hurricane exposure. Newer construction and concrete block homes get better pricing.
Orlando & Central Florida
Inland location means lower hurricane risk and more affordable premiums ($3,000-$5,000/year). Sinkhole risk in some areas requires additional coverage. Growing market attracts more carrier options.
Gainesville & North Central FL
Some of the most affordable homeowners insurance in Florida ($2,500-$4,000/year). Lower hurricane risk, stable market. Ideal for first-time homebuyers looking for reasonable insurance costs.
Tallahassee & Panhandle
Competitive rates inland ($2,500-$4,500/year). Coastal Panhandle faces higher premiums due to hurricane exposure. Hurricane Michael (2018) caused major losses, but market has stabilized.
Florida homeowners insurance crisis: Over 15 major carriers have left the state since 2020. Working with an independent agent who represents 20+ carriers is essential to finding coverage.
Read our complete guide: Florida Homeowners Insurance in 2026 →Frequently Asked Questions
Does homeowners insurance cover flood damage?
No. Standard homeowners policies in Florida do not cover flooding. You'll need a separate flood insurance policy. We offer both NFIP and private flood options — contact us for a quote.
How much homeowners insurance do I need?
Your dwelling coverage should be enough to rebuild your home from the ground up at current construction costs — not your home's market value. We can help you determine the right amount based on your home's square footage, construction type, and local building costs.
What's the difference between Replacement Cost and Actual Cash Value?
Replacement Cost pays to replace damaged items with new ones of similar quality. Actual Cash Value deducts depreciation, so you get less. We typically recommend Replacement Cost coverage for the best protection.
How can I lower my homeowners insurance premium in Florida?
There are several ways: wind mitigation inspections (often save 20-40%), bundling with auto, increasing your deductible, installing hurricane shutters or impact windows, and shopping multiple carriers — which is exactly what we do as independent agents.
Ready to Protect Your Home?
Get a free, no-obligation homeowners insurance quote. We'll shop multiple carriers to find you the best rate.