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Did you know that many homes have an inflation guard coverage goes up 4% a year endorsed on
the policy that you  pay for. Some cases this is good but many homes are over insured to begin
with. How high is your hurricane deductible? There are companies out there that offer a $500. Let
Florida State licensed insurance professionals give you the personal service you need. When
purchasing Florida home insurance you need to be careful. Let us do the work for you. .  Browse
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If you live in Florida you need to shop your homeowners insurance rate annually. We
have licensed experienced agents that help Floridians save money on their
homeowners insurance daily. You can
save up to 40% or more. Many Florida homes
may be over insured or under insured on their value. Many homeowners insurance
policies also have coverage that you may not need. We
represent many A rated
Florida homeowners insurance carriers
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with these companies to get you the best possible rate. Legacy Insurance will spend
time explaining your coverage to you. We want to be your agency for life!
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Homeowners Insurance Florida Coverage Breakdown
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Dwelling: A standard Florida homeowners insurance policy should include enough dwelling
coverage to pay for the replacement or repair of your home when and if it is damaged in a
covered peril
A
B
C
D
E
F
Other Structures: Other structures such as detached garages or sheds would also be
covered under a standard Florida home insurance policy
Contents/Personal Property: A Florida home insurance policy will also typically provide
coverage for the contents of your home including furniture, electronics, clothing and other
personal belongings.
Loss of Use: If your Florida home is damaged in a covered peril, ‘Loss of Use’ coverage
pays for alternative accommodations and living expenses while you are unable to live in your
home.
Personal Liability Protection: In Florida, your standard homeowners insurance policy
will typically provide financial protection in the event of a lawsuit where you have caused
damage or bodily harm to another person or their personal property.
Medical Payments: Medical Payments coverage, or Florida MedPay, offers
reimbursement for medical bills if someone other than you or a family member is injured on
your property and a lawsuit is not involved.
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metlife insurance
ark royal insurance
Chubb Insurance
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Here are some
of our Florida
homeowners
insurance
companies
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Coverage:      Definition:
Homeowners
Insurance Florida
infinity insurance
safeco insurance
progressive insurance
Homeowners insurance 1 business day
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◦Collier
◦Columbia
◦De Soto
◦Dixie
◦Duval
◦Escambia
◦Flagler
◦Franklin
◦Gadsden
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◦Hendry
◦Hernando
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◦Jefferson
◦Lafayette
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◦Lee
◦Leon
◦Levy
◦Liberty
◦Madison
◦Manatee
◦Marion
◦Martin
◦Miami Dade
◦Monroe
◦Nassau
◦Okaloosa
◦Okeechobee
◦Orange
◦Osceola
◦Palm Beach
◦Pasco
◦Pinellas
◦Polk
◦Putnam
◦Saint Johns
◦Saint Lucie
◦Santa Rosa
◦Sarasota
◦Seminole
◦Sumter
◦Suwannee
◦Taylor
◦Union
◦Volusia
◦Wakulla
◦Walton
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If you live in any of these Florida counties we have
companies open to write your homeowners
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