Marcy is licensed in Florida and works with Florida clients by phone, text, and email. Our only office is in Colorado Springs, CO, so there is no Florida branch to visit, and most people find that a phone call handles everything anyway.
Most Florida homeowners policies carry a separate hurricane deductible expressed as a percentage of the dwelling limit rather than a flat dollar amount. On a home insured for a few hundred thousand dollars, that percentage can translate into a very large out of pocket number. Knowing your percentage, and what triggers it, is the first thing to check on a Florida policy.
A homeowners policy does not cover flood anywhere, and that matters more in Florida than almost anywhere else. Coverage comes through the National Flood Insurance Program or a private flood carrier. It is worth knowing that flood damage regularly occurs outside the highest risk mapped zones, so being outside a designated flood zone is not the same as being safe. Lenders may not require it, and it can still be the right call.
Florida carriers underwrite roofs closely. Roof age, material, and condition often determine whether a home can be written at all, and some policies settle older roofs on an actual cash value basis rather than replacement cost. An inspection showing remaining useful life can change the outcome. This is the single most common reason a Florida home gets declined.
Condo owners need a unit owners policy that coordinates with the association master policy. The master policy usually covers the building to a defined point, and everything inside that line becomes the owner's responsibility, including interior finishes, cabinetry, flooring, and sometimes drywall. Loss assessment coverage handles your share when the association levies an assessment after a covered loss. Gaps here are common and expensive.
Snowbirds and seasonal owners face a specific exposure: a home sitting empty for months when a storm hits or a pipe fails. Some policies restrict coverage after an extended period of vacancy. If you split time between states, that should be disclosed and written into the policy rather than discovered at claim time.
Moving between these states, or splitting your year across them? Because Marcy is licensed in all three, she can handle both ends of the move rather than handing you off.
Marcy compares 88 carriers to find the fit for your situation. Send a few details or just call. There is no obligation.
