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Florida Homeowners Insurance That Protects Your Biggest Investment

Your home is more than an address—it’s where memories are made. Safeguard it with coverage built for Florida’s unique weather, risks, and peace of mind.

What Our Home Insurance Covers

Protect your Florida home from the expected—and the unexpected. Every policy is designed to fit your lifestyle, your property, and the real risks you face in the Sunshine State.

Dwelling Coverage

Safeguards the structure of your home against hurricane, fire, storm, theft, and covered water damage.

Personal Property

Covers belongings like furniture, clothing, and electronics—choose from actual cash value or full replacement.

Liability Protection

Financial coverage if someone is injured on your property or you’re found legally responsible for damages.

Other Structures

Protection for garages, sheds, fences, pools, and detached buildings.

Loss of Use

Helps cover living expenses if you can’t stay in your home after a covered event.

Optional Flood & Windstorm

Add extra protection for flood-prone or coastal areas—recommended for many Florida homeowners.

Why Homeowners Insurance Matters in Florida

Owning a home in Florida brings sun, storms, and unique risks. With hurricanes, rising premiums, and evolving state laws, the right insurance means more than just checking a box—it’s real protection, real peace of mind.


  • Expertise for Every Region
    We understand coastal, inland, and city-specific risks across Florida.

  • Guidance on Storm Preparedness
    Learn about discounts for storm-proofing, wind mitigation, and policy options that keep you covered.

  • Claims Support That Cares
    If disaster strikes, we help you navigate the claims process with compassion and speed.

  • Up-to-Date on Florida Laws
    Our team stays on top of legislative changes—so your policy is always compliant.

With American Insurance Agency, you get a partner who knows the real challenges of Florida homeownership—and how to help you stay secure.

HOMEOWNERS INSURANCE

Frequently Asked Questions

  • Does homeowners insurance cover hurricanes in Florida?

    Most standard Florida home insurance policies cover wind and hurricane damage but not flooding. You may need a separate flood insurance policy for full protection.

  • What’s the difference between HO-3 and HO-6 policies?

    HO-3 is designed for single-family homes; HO-6 is for condos. We’ll help you choose the right option for your property.

  • Do I need flood insurance in Florida?

    Many Florida homes are in flood zones. Even if your lender doesn’t require it, flood coverage is strongly recommended due to the state’s risk profile.

  • What if my home is damaged and I can’t live in it?

    Loss of use coverage pays for additional living expenses if your home is uninhabitable after a covered claim.

Protect Your Home Today

With American Insurance Agency, you benefit from local Florida expertise, access to multiple top-rated carriers, and dedicated personal service whenever you need support.


Choose a homeowners insurance policy designed around your life and priorities—so your home, and everything in it, stays secure for the years ahead.

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