Leo will collect the property and homeowner details Bell & Lyons needs, send the intake into the EZLynx workflow, and hand you into the secure quote process.
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The house itself can be damaged by wind, fire, water events, or other major covered losses.
Dwelling coverage is designed to repair or rebuild the main structure, which is why construction details and roof information matter.
Swimming pools, detached garages, fences, and other exterior structures are still exposed to storms and property damage.
This part of the policy extends protection to eligible structures on the property that are separate from the home itself.
Furniture, electronics, clothing, and valuables may be lost in a fire, theft, or major interior damage event.
Personal property coverage helps replace belongings after a covered loss and may require separate attention for high-value items.
If a visitor is hurt walking the property, using the pool area, or entering the home, the homeowner can face medical-cost and legal exposure.
Personal liability coverage helps protect against covered bodily injury and property damage claims made by guests and other third parties.
Florida homeowners insurance is its own market. Carriers have left the state, rates have moved sharply, and roof age now decides whether a house is insurable at all. If your renewal jumped or your carrier dropped you, that is a market problem rather than something you did wrong, and it is worth shopping rather than accepting.
Your Florida policy has a standard deductible and a separate hurricane deductible, and the hurricane one is usually a percentage of the dwelling coverage rather than a flat amount. On a $600,000 home, a 2% hurricane deductible means $12,000 out of pocket before the policy responds to storm damage. Know that number before a storm is named, not after.
Flood is excluded from every homeowners policy. That is not a Florida quirk, it is standard everywhere, and it surprises people every season. Flood is a separate policy, and in South Florida it is worth quoting even outside a high-risk zone. Note that flood coverage typically carries a 30-day waiting period, so it cannot be bought once a storm is approaching.
We are an independent broker in North Bay Village. We place homeowners coverage across multiple Florida carriers and the surplus lines market, so a decline from one company is not the end of the conversation. If you own a condo unit rather than a house, the policy you need is an HO-6 — see condo insurance.
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