Florida hurricane insurance — the three policies that actually pay after a storm.

Talk to ten agents about "Wind/hurricane coverage on your HO-3" and you'll get ten answers. Here's how we actually handle it on real homeowners policy quotes. The carriers worth quoting on this right now are Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers. Each one weights roof age, wind mitigation form, distance to coast and prior claim history differently, which is why a single-carrier captive agent can't tell you whether you're priced fairly — they only see one ranking.

In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13. We're independent, so we can quote across the full Florida book. The recommendation that comes back is whichever carrier wins on your file — not whichever one we'd rather sell.

"Hurricane deductible — percentage of dwelling" is one of the items underwriters re-rate every cycle — what was true last renewal isn't necessarily true at your 2026 quote. In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13.

The carriers worth quoting on this right now are Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers. Each one weights roof age, wind mitigation form, distance to coast and prior claim history differently, which is why a single-carrier captive agent can't tell you whether you're priced fairly — they only see one ranking. Send us your current declarations page; we'll mark it up line by line and tell you whether the policy you have is still the right one for Cape Coral, Fort Myers, Punta Gorda and Naples.

"Flood coverage — separate NFIP or private" sounds like a small detail until you watch it move a premium by four figures. We see it weekly across Cape Coral, Fort Myers, Punta Gorda and Naples. In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13.

Florida re-shops every renewal. If the last time you compared was more than 12 months ago, the answer almost certainly changed: carriers entered or left the state, surplus lines moved, and roof age, wind mitigation form, distance to coast and prior claim history got re-weighted by the OIR filings. If you want this specific question answered against your address and four-point inspection and 1802 wind mit, call (239) 542-1117 or request a quote and we'll come back the same business day.

Talk to ten agents about "Loss of use / ALE — what it pays during repairs" and you'll get ten answers. Here's how we actually handle it on real homeowners policy quotes. In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13.

In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13. We're independent, so we can quote across the full Florida book. The recommendation that comes back is whichever carrier wins on your file — not whichever one we'd rather sell.

On "Wind-driven rain vs. storm surge", the honest answer for Florida policyholders is "it depends on the file" — and the file is your four-point inspection and 1802 wind mit. What actually drives the outcome is roof age, wind mitigation form, distance to coast and prior claim history. Two homes a block apart can get $2,000 apart in premium because one of those levers shifted, and the only way to know which lever is yours is to put real numbers in front of Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers.

In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13. The fastest path is a 5-minute call where we read four-point inspection and 1802 wind mit together and tell you which carriers in today's market would write you cheaper — and which would decline.

Clients usually raise "Documentation that speeds your claim" after a non-renewal letter or a surprise premium jump. The fix is rarely the one the internet suggests. In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13.

In practice we pull four-point inspection and 1802 wind mit, run it against Citizens, Frontline, Tower Hill, American Integrity and a handful of regional writers, and rank the result by total cost — not just the headline premium. The cheapest sticker isn't always the cheapest renewal once the surcharges roll in at month 13. Send us your current declarations page; we'll mark it up line by line and tell you whether the policy you have is still the right one for Cape Coral, Fort Myers, Punta Gorda and Naples.