Florida home insurance shouldn't be this complicated
Your rate tripled. Your carrier left the state. Your policy has gaps you've never been warned about. We cut through all of it — county by county.
- Non-renewed or cancelled? We find carriers still writing in your county — often within 24 hours.
- Stuck on Citizens? Over 60% of Citizens policyholders qualify for private alternatives.
- Not sure what your policy covers? Free coverage review. No strings. No sales pitch.
Sound familiar?
Every day, Florida homeowners face problems homeowners in other states never deal with. Here's how we solve each one.
"My insurance was non-renewed and nobody will cover my home"
Carriers are exiting Florida — but not every carrier and not every county. You may have heard of the Florida Market Assistance Plan (FMAP) — it's free but limited. We shop 10–20+ carriers and typically find options in 24–48 hours.
"My premium doubled and nobody can tell me why"
Roof age, hurricane deductible percentage, construction type, distance to coast, county claims history — these drive your rate. A $100 wind mitigation inspection alone can cut your premium 20–45%. Most homeowners don't know this.
"I have no idea if my policy would pay out after a hurricane"
ACV vs. replacement cost. 2% vs. 10% hurricane deductibles. Ordinance & law exclusions. Flood carve-outs. The gap between these could cost you $50,000+ after a claim — and most Florida homeowners have never had anyone explain what they actually have.
What most homeowners don't realize:
2% hurricane deductible on a $400K home = $8,000 out of pocket
ACV roof coverage pays depreciated value — $4K on a $30K roof
Standard policies don't cover flooding — not even 1 inch of water
25% of FL flood claims come from outside high-risk zones
Stop guessing about your Florida home insurance
Free coverage review from a licensed Florida independent agent. No obligation. No spam. No selling your info.
Get Your Free Coverage Review →Your county determines your rate — find yours
Florida home insurance varies by up to 5x between counties. Every county page has local rates, risk profiles, active carriers, and free coverage reviews.
From confused to covered in 3 steps
No hold music. No call centers. No selling your info to 10 companies.
60-second form
Property address, type, and insurance situation. Goes directly to a licensed Florida independent agent — never sold to third parties.
We shop the market
Your agent compares 10+ carriers actively writing in your county. Have a policy? We review it for gaps — free, no obligation.
You decide
Options in plain language. What's covered, what's not, what it costs. No pressure. Right coverage, right price.
Know what you're buying before you buy it
Written by licensed Florida agents who actually write these policies — not content farms.
Hurricane Deductibles: What You're Actually Paying
2% on a $400K home = $8,000 out of pocket. Most Floridians learn this after they file a claim.
Save 20–45%The $100 Inspection That Saves Thousands
Wind mitigation is the single biggest premium saver in FL. Here's how it works and why most homeowners leave money on the table.
CitizensStuck on Citizens? You Probably Have Options
60%+ of Citizens policyholders qualify for private coverage. Here's how to find out.
FMAPFlorida Market Assistance Plan — Do You Need It?
FMAP is free but limited. Here's how it works, what it can't do, and what's faster.
FloodYour Policy Doesn't Cover Flooding
25% of FL flood claims come from outside high-risk zones. Private flood beats NFIP by 20–50%.
CoverageACV vs. Replacement Cost: The $50K Difference
ACV could pay $4K on a $30K roof. Know which one you have before you need it.
Questions we hear every day
Straight answers from licensed Florida agents.
Why is Florida home insurance so expensive?
My insurance was non-renewed. What do I do?
What is a hurricane deductible?
How do I lower my Florida premium?
What is the Florida Market Assistance Plan?
Do I need flood insurance?
Stop overpaying. Stop guessing.
Get a straight answer.
Your info goes directly to a licensed Florida independent agent at Nymble Insurance. No lead farms. No 10 companies calling you.
Nymble Insurance — Licensed Florida Independent Agency. We never sell your data.