Home Insurance in Florida
Protect your home and everything in it. As a Miami-based agency, we understand Florida's unique risks — from hurricanes to tropical storms — and find the right homeowners coverage for you.
What Is Home Insurance?
Your home is likely your most valuable asset, and Florida's weather makes protecting it more important than ever. Standard homeowners insurance covers damage from fire, theft, and many weather events — but in Florida, you also need to think about hurricane coverage, flood zones, and roof condition requirements that affect your premiums.
At Tammy Insurance Agency, we navigate these complexities for you. We work with multiple carriers to find the best homeowners policy for your Miami home, whether you're in a flood zone, have an older roof, or are a first-time buyer trying to understand your options.
What's Typically Covered
- Dwelling coverage (structure of your home)
- Personal property coverage (furniture, electronics, clothing)
- Liability protection if someone is injured on your property
- Additional living expenses if your home becomes uninhabitable
- Medical payments to others
- Hurricane and wind storm coverage options
Frequently Asked Questions
Does Florida home insurance cover hurricanes?
Most standard policies cover wind damage from hurricanes, but may have a separate hurricane deductible. Flood damage from storm surge is NOT covered — you need separate flood insurance.
How does my roof age affect my premium?
In Florida, older roofs (especially over 15-20 years) can significantly increase your premium or affect eligibility. We'll help you find carriers that work with your specific situation.
Can I bundle home and auto insurance?
Yes! Bundling is one of the best ways to save money. Ask us about multi-policy discounts.
Get Your Quote Today
Tammy will shop multiple carriers to find the best rate for your specific situation.
Request a Free QuoteCall (305) 485-3999📍 Serving All of Florida
Based in Miami at 9531 SW 40th Street — licensed to provide coverage throughout the entire state of Florida.
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Let Tammy find you the best rate in Florida. It only takes a few minutes.