Auto Insurance in Florida Made Simple

Protect Your Home, Wherever You Are in Florida

At Staybull Insurance, we offer comprehensive homeowners insurance coverage throughout every city in Florida — from Orlando to Jacksonville, Tampa, Miami, and everywhere in between. Whether you’re in the Gulf Coast, the Atlantic coast, or inland, our policies are designed for Floridians by Floridians, delivered with local care and reliability.

Florida Homeowners Insurance

Does Homeowners Insurance Include Hurricane Damage?

Hurricane and named-storm damage are sometimes included, but not always. In Florida, many insurers apply a hurricane deductible that’s separate from your standard deductible. It’s often calculated as a percentage of your dwelling coverage (e.g. 2%–5%). At Staybull Insurance, we’ll help you choose a policy that includes windstorm and hurricane protection tailored to your risk

Flood Insurance & What You Should Know

Standard homeowners insurance in Florida generally does not cover flood damage caused by heavy rainfall or storm surge. Because much of Florida is in flood-prone zones, we strongly recommend acquiring flood insurance through the National Flood Insurance Program (NFIP) or private flood policies. We can bundle or coordinate your flood coverage to fill this critical gap

Florida Homeowners Insurance

What Does Florida Homeowners Insurance Cover?

Homes across Florida face unique risks due to storms, humidity, flooding, and high property values. Our coverage is built to help you rest easier by protecting.

01. Dwelling / Structural Coverage

This covers the cost to repair or rebuild your home’s structure from covered perils — damage from fire, storms, lightning, or wind

02. Personal Property Coverage

Your furniture, electronics, clothing, and other belongings inside the home are protected if they’re damaged, destroyed, or stolen.

03. Liability Protection

If someone is injured on your property, liability coverage helps cover medical bills, legal fees, and
other related costs

04. Loss of Use / Additional Living Expense (ALE)

If your home becomes uninhabitable due to damage, we cover extra living costs (hotel, meals, etc.) while repairs are underway

05. Water Damage & Plumbing Failures

Sudden leaks, burst pipes, or plumbing mishaps often lead to major loss. This coverage helps handle those unexpected repairs. (Note: flood damage from storms is typically excluded — see flood section below.)

06. Windstorm & Hurricane Coverage

Florida’s weather demands wind and hurricane protection. Many of our policies include this, often with a specialized hurricane deductible. We’ll walk you through how it works

07. Loss Assessment (HOA Properties)

If your home is part of an HOA, you may be responsible for shared costs (e.g. roof, sidewalks). Loss assessment coverage helps cover your share of those claims

08. Water Backup / Sewer Overflow

This optional add-on helps with damage from water backing up through drains, sewer lines, or sump pumps — which is not always included by default

Florida Homeowners Insurance

Types of Coverage Option

We help you choose the best fitting coverage types, from basic to more expansive

Actual Cash Value (ACV)

Pays replacement cost minus depreciation

Replacement Cost

Restores your home or belongings with newer materials

Extended or Guaranteed Replacement Cost

Covers above your limits to rebuild under certain conditions

Why Choose Staybull Insurance in Florida?

We operate in every city across Florida — including Orlando, Jacksonville, Tampa, Miami, Ft. Lauderdale, Naples, Tallahassee, and more
Our agents are local and understand Florida’s specific insurance challenges and regulations
We leverage relationships with multiple insurers to get you competitive and tailored quotes
Customer service is top priority — available to you during storms, emergencies, and when filing claims

What we offer

What Impacts Your Homeowners Insurance Premium in Florida?

We help you find the right balance so you’re not overpaying for coverage

Your premium isn’t random — it reflects how likely your home is to be damaged. Factors we evaluate include:

Home Age & Condition

Older homes may have outdated wiring, plumbing, or roofs

Construction & Materials

Some building materials resist wind or fire better.

Location & Neighborhood Risk

Proximity to coastlines, flood zones, or high-crime areas raise risk

Roof Type & Age

A newer, reinforced roof can lower rates

Plumbing, Electrical & HVAC Systems

Modern, well-maintained systems reduce hazard.

Claims History

Frequent claims increase your risk profile

Credit & Personal Factors

In many cases, credit history and personal habits (e.g. smoking, owning pets) are considered.

Deductible Level

A higher deductible usually lowers your premium (but means more out-of-pocket when filing a claim).

Florida Homeowners Insurance

What Impacts Your Homeowners Insurance Premium in Florida?

We help you find the right balance so you’re not overpaying for coverage

As a Florida-based agency, Staybull Insurance proudly serves all major metropolitan areas and entire regions across the state:

Orlando

Jacksonville

Tampa / St. Petersburg / Hillsborough County

West Coast (Sarasota, Naples, Fort Myers)

Panhandle / Tallahassee / Pensacola

Inland areas (Ocala, Gainesville, The Villages, etc.

Miami / Fort Lauderdale / Palm Beach

CALL TO ACTION

How to Get Started / Request a Quote

Request a no-obligation quote — Provide property details, location, and coverage preferences.

We’ll compare options tailored to your home and risk factors.

Choose & customize your policy — select deductibles, add-ons (water backup, loss assessment, etc.).

Get insured — once approved, your coverage begins, and you’ll receive your policy documents.

Our Happy Customers

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Get Your Free Quote Today

Book Appointment To Get Quick Solution !

Finding the right auto insurance doesn’t need to be stressful. At Staybull Insurance, we make it quick, easy, and affordable. Get started online or call us today to speak with a licensed agent who understands the Florida market

To request your free auto insurance quote

Call us at (772) 924-0854