We identify the need
We confirm whether you need coverage for a house, condominium, or rental, how the property is occupied, the required date, and whether a loan or association has requirements.
We quote · We compare · We issue
Home and renters insurance
We quote, compare, and issue. Home, renters, condominium, and personal liability. We accompany you during the inspection and renewal.
Availability, eligibility, and coverage approval are determined by each insurance company and are subject to underwriting. When coverage is placed with a non-admitted company: this company is not backed by the Florida Insurance Guaranty Association.
From the property to the policy
How the home and renters insurance process works
We identify the property and occupancy type, gather information insurers request, and compare available options. The company decides whether inspections are required, what conditions it accepts, and whether coverage is issued.
We gather property details
We request the address, year built, roof type and age, occupancy, relevant improvements, prior coverage, and other basic information needed to quote.
We define what to compare
We review the structure or interior improvements, personal property, liability, loss-of-use expenses, limits, and deductibles based on the policy type.
We coordinate requirements
The insurer may request inspections, photographs, or additional documents. We help you understand and organize what is needed, but the company decides what it accepts.
We review proposals
We compare limits, deductibles—including a hurricane deductible when applicable—exclusions, conditions, premium, and company status before you choose.
We issue and review renewal
After approval and applicable payment, we confirm the effective date and send required evidence. At renewal, we review changes in premium, coverage, and requirements.
Home, condominium, and renters insurance FAQs
What to clarify before insuring the property or providing evidence to a lender or landlord.
8 questions available
Official information for owners and renters
Review these general guides and always read the policy because coverage, deductibles, and exclusions vary by company.
Let's begin
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