Homeowners Insurance in Florida for Houses and Families

Home Coverage Built for Florida Weather

Protection for Your Biggest Investment

Owning a home in Florida is rewarding, but it comes with risks that are different from most states. Windstorms, hail, heavy rain, and quick swings in property values can all affect how your policy should be structured. Homeowners insurance covers your home, your belongings, and your personal liability when something unexpected happens.


GM Insurance Underwriters helps homeowners across Jacksonville and statewide find coverage that fits their home’s age, location, and construction type. Whether you are near the beaches, closer to the St. Johns River, or in growing inland neighborhoods, we compare carriers and explain the options clearly so you can choose with confidence.

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What a Florida Homeowners Policy Includes

Coverage for the Home, Belongings, and Liability

A Florida homeowners policy provides core protection for your property and the people who live in it, covering both the structure and the financial risks that come with storms, accidents, and unexpected damage.

Coverage for the dwelling and attached structures

Personal property coverage for your belongings

Protection for other structures like sheds, fences, and detached garages

Loss of use coverage if you can’t stay in your home after a covered event

Personal liability if someone is injured on your property

Medical payments coverage for minor injuries to guests

We help confirm your limits reflect replacement cost—not market value—and review deductibles, including hurricane deductibles, so you’re clear on what to expect during storm season. If your home is older, we’ll help find carriers that fit your roof age and system updates or guide you on improvements that can open better options.

Florida Add-ons that Close Common Gaps

Wind, Water, and Higher Liability Limits

In Florida, the details matter. Some homes need a separate wind solution depending on location and carrier rules. Flood damage is also not covered under standard homeowners insurance, which is why many homeowners add a flood policy even when their lender does not require it.


For families with significant assets, a pool, a boat, or teenage drivers, a personal umbrella policy can add extra liability protection above home and auto limits. We will help you decide what fits your situation, not what looks good on paper.

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Ways to Keep Premiums Reasonable

Discounts and Practical Steps

Home insurance premiums in Florida can feel steep, but there are real ways to manage cost. We look for discounts tied to home and auto bundling, wind mitigation features, updated roofs, security systems, and claims-free history.


We also help you weigh deductible choices against your comfort level. The goal is a policy that is affordable today and still dependable when you need it.

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Questions Florida Homeowners Ask First

  • Does homeowners insurance cover hurricane damage?

    Wind damage from hurricanes is usually covered after your hurricane deductible is met. Flooding from storm surge or rising water is not covered, which is why flood insurance is important.

  • Can I insure an older home in Florida?

    Yes. Some carriers require updates to roofs or major systems, but there are still solid options. We will show you the realistic paths based on your home.

  • How much coverage do I need?

    You need enough to rebuild the home and replace belongings. We help calculate that based on construction costs, not guesswork.

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