Homeowners

Discover why Florida Family is your best choice for Florida homeowners insurance. We are dedicated to protecting your home.

Everyone’s home is unique.

At Florida Family, we understand what both your home and home ownership mean to you--and how each homeowner has individual needs and requirements. That is why we offer you so much flexibility when insuring one of your most important assets.

Whether it’s your year-round home, seasonal home, or second home, we have a comprehensive policy designed to meet your specific homeowners insurance needs.

We offer Florida homeowners insurance policies that provide standard and optional coverage for owner-occupied homes--offering your home and possessions a flexible package of protection from fire, lightning, theft, windstorms, and more.

Understanding our customized coverage and how they relate to your home and your lifestyle will help you maximize the value of your Florida homeowners insurance policy.

For more information on a Florida homeowners insurance policy with Florida Family, contact us, or find an agent in your neighborhood.

Standard Coverage

Home
Protects your home from potential disasters, such as fire, lightning, theft, and windstorms (check for availability of windstorm coverage in your area).

Other Structures
Covers buildings or structures not connected to the main home.

Personal Property
Coverage for your personal possessions in the event of loss or damage.

Additional Living Expenses
Pays necessary living expenses while your home is being repaired.

Personal Liability
Coverage for claims filed against you as a result of accidental injuries to others and/or unintended property damage.

Medical Payments
Pays for actual medical expenses including accidental injuries to others.

Optional Coverage

Replacement Cost on Contents
Allows you to replace older personal property damaged by a covered loss with new property at today's market cost.

Special Personal Property Coverage
Broadens your personal property coverage to all losses, except those specifically excluded in the policy. 

Scheduled Personal Property
Allows you to buy specific coverage limits for valuable personal property, including jewelry, art, cameras, bicycles and other valuables.

Water Back-Up Coverage
Provides coverage from loss caused by sewer or a drain back-up or overflow.

These are some of the most commonly requested coverages, but many other options are available. Find an agent to help customize your policy to meet your specific needs.

Florida Family offers a number of policy discounts designed to help you lower your Florida homeowners insurance cost: 

  • Provides a discount for newer properties that have been built to stronger building standards, with the most significant savings applying to properties built to the current building code.
  • Provides a discount to primary residents who are 55 or older and retired.
  • Earn an automatic discount if the exterior walls, floors, and roof of your property were built with noncombustible materials.
  • Offers discounts to properties located in communities that are gated, guarded or have perimeter walls restricting other access.
  • Provides a discount when the property is protected by burglar and fire alarms. A higher discount applies when the alarm is monitored by an alarm company.
  • Discounts apply if your property is located in a community that participates in the BCEG program, and was constructed after the community joined the program.
  • A discount is available if you have a qualified, certified lightning protection system installed in your property.
  • Provides credits for properties that have been built or updated to meet stronger building codes, such as the installation of approved storm shutters. A wind mitigation inspection may be required.
  • Provides a discount for structures that have a roof shape where the ends and sides of the roof slope down to the wall.
  • Provides additional credits if fire sprinklers are installed throughout the property.
  • Your choice of a higher deductible, the amount of money you are responsible for paying in the event of a claim, will reduce the price of your property insurance.