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Homeowners Insurance

Secure Your Home and Everything You've Built

Comprehensive coverage for Florida homeowners

Your home is likely one of your biggest investments and where your family builds its life. Homeowners insurance helps protect your property, belongings, and finances if you face damage, theft, or liability. No matter if you own a single-family home, townhouse, or a newer build, the right coverage lets you repair, rebuild, or replace what matters most—without draining your savings.

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Who This Coverage Is For

Homeowners insurance is appropriate for individuals and families who own a residential property that serves as their primary residence. It’s especially important for homeowners with a mortgage, but even those who own their home outright rely on this coverage to protect a significant personal investment.

This type of policy is well-suited for homeowners who want financial protection for their home’s physical structure, coverage for personal belongings, liability protection related to everyday risks of homeownership, and support when a covered loss disrupts normal living conditions. Whether your home is newly purchased or long-established, homeowners’ insurance plays a central role in preserving long-term financial stability.

Understanding Homeowners Insurance Coverage

A homeowner’s policy typically combines several types of coverage into a single policy. While details can vary, most policies include:

  • Dwelling coverage, which helps pay for repairs or rebuilding if the home itself is damaged by a covered event
  • Other structures coverage, for detached structures such as garages, sheds, or fences
  • Personal property coverage helps protect your belongings, such as furniture, clothing, and electronics.
  • Liability protection can help cover legal and medical costs if someone is injured on your property.
  • Loss of use coverage, which can help with temporary living expenses if your home cannot be occupied after a covered loss

It’s important to understand how these coverages work together. Limits, deductibles, and exclusions matter just as much as the policy itself.

Why Homeowners Insurance Needs Thoughtful Planning

Homeowners insurance stands out from other types because it covers both the value of your property and your personal risks. Factors such as replacement costs, building materials, local construction costs, and your lifestyle help determine whether your policy is sufficient.

Common planning considerations include:

  • Guaranteeing the home is insured for realistic rebuilding costs, not just market value
  • Reviewing personal property limits to reflect what you actually own
  • Understanding how liability coverage applies to guests, deliveries, or household incidents
  • Evaluating deductibles in relation to financial comfort during a claim

Your homeowners policy should change as your home and life change, rather than staying the same year after year.

Florida-Relevant Considerations

Owning a home in Florida means you have unique insurance needs. After Hurricane Ian caused major damage in 2022, many homeowners found that local building codes and the area’s severe weather changed their policy requirements and coverage options. These and other local risks can directly affect the kind of insurance coverage you need.

Florida homeowners often need to account for:

  • Wind exposure, including hurricanes and tropical storms
  • Roof age and condition, which can directly impact eligibility and pricing
  • High repair and rebuilding costs, particularly after widespread storm events
  • Separate flood insurance needs, as standard homeowners policies do not cover flood damage.
  • Sinkhole risk in certain areas, which may require additional coverage or endorsements

Because these factors depend on your location and property, homeowners’ insurance in Florida is rarely the same for everyone. Speaking with a local agency like Right Choice Insurance can help ensure your policy truly fits your needs.

Common Gaps

Common Gaps We See in Homeowners Policies

Many people believe they’re adequately insured—until a claim reveals otherwise. Policies are often purchased quickly, renewed automatically, and rarely reviewed as risks change or costs rise.

Some of the most common gaps we identify include:

  • Liability limits that are too low for real-world accidents

  • Missing or insufficient uninsured motorist coverage

  • Deductibles that create financial stress after a claim

  • Policies that haven't been updated after major life changes

These gaps often stay hidden until a claim brings them to light. Our goal is to address them before that happens.

Our Approach

How We Help You Get the Right Coverage

As an independent Florida agency, we're not tied to a single insurance company or a one-size-fits-all approach

  • We take the time to understand your situation

  • Compare multiple top-rated carriers

  • Explain trade-offs clearly so you can make informed decisions

From there, we recommend coverage that aligns with your needs — not just the cheapest number on paper. And our role doesn't end once your policy is in place. We're here to help with changes, renewals, questions, and guidance when life evolves.

Ready to Get the Right Coverage?

If you’re unsure whether your current policy truly protects you, now is the right time to review it. A proactive conversation today can prevent costly surprises later.

Whether you’re shopping for new coverage or simply want a second opinion, we’re here to help you move forward with confidence

  • Review Your Coverage?

  • Get the New Coverage?

  • Update Your Coverage?

Why US

Why Work With Right Choice Insurance

We believe insurance should be clear, practical, and built around real life—not assumptions or shortcuts.

As an independent agency, our responsibility is to you. That means honest guidance, transparent recommendations, and ongoing support—not pushing a product because it’s convenient.

Clients work with us because we offer:

  • Independent advice

    Access to multiple carriers

  • Clear explanations

    No insurance jargon

  • Ongoing reviews

    As needs and risks change

  • Long-term relationship

    Not a one-time transaction