Florida homeowners insurance,
shopped across 30+ carriers.

Sarasota, Bradenton, Tampa, and the Gulf Coast sit in the path of some of the most active hurricane corridors in the country. We access Florida-admitted carriers and the E&S market to ensure your dwelling, contents, and additional structures are protected through a named storm. With the right deductibles and loss settlement terms for your home’s value.

Longboat Key, Siesta Key, Anna Maria Island, Casey Key, Bird Key, Davis Islands, Snell Isle, and Clearwater Beach all carry coastal underwriting complexity. We’ve placed coverage on barrier-island properties where most standard carriers won’t quote.

For Florida homes valued above $750,000. And especially above $2M. Standard carriers don’t fit. We work with high-net-worth programs offering guaranteed replacement cost, agreed value, and superior loss settlement terms through carriers like Chubb, AIG Private Client, Pure, and others.

Own more than one Florida property? We can structure a scheduled policy covering your primary residence, vacation home, rental properties, and seasonal properties under a single program.

Not every high-value home is on the water. Inland estates in Lakewood Ranch, Bradenton, east Sarasota, and greater Tampa require careful underwriting for property values, liability exposure, and unique features like equestrian facilities or guest houses.

Every Florida homeowners policy needs flood paired with it. We write through Wright Flood / NFIP for primary, with Lloyd’s excess flood when NFIP limits aren’t enough. More on Florida flood →

Based in Sarasota, Florida, serving the Gulf Coast. Not a call center, not a captive agent. Dennis Hendrickson personally handles every quote and renewal.

Through Honeyquote as our rater and First Connect as our aggregator, we instantly shop 30+ Florida-admitted homeowners carriers in a single quote. Including Florida Peninsula, Edison, Frontline, and many others.

Florida’s homeowners market is hard. Carriers are non-renewing, premiums climbing. If your current insurer is exiting, we can typically place coverage with an admitted carrier the same week.

Downtown, Bird Key, Lido Key, Siesta Key, St. Armands, Palmer Ranch, and surrounding Sarasota County properties.

Anna Maria Island, Longboat Key, Lakewood Ranch, and Manatee County mainland properties.

South Tampa, Hyde Park, Davis Islands, Palma Ceia, Snell Isle, Bayway Isles, Shore Acres, and Pinellas County.

Clearwater Beach, Harbor Bluffs, Venice mainland and barrier islands, and Sarasota County south.