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Ahh, there is nothing quite like waking up to that Florida sunshine
But keeping your dream home fully protected takes a lot more than a standard policy
HUB has been helping Florida families for over 35 years and are the top brokerage for finding the best deals in ONE place. You wont have to fight with insurance companies or have multiple conversations getting quotes. HUB does the hard work for you and makes sure you are protected.
Your home must be worth more than $2 million. The below special companies can cover you and they understand luxury homes and the valuable items inside of them. Popular ones include:
Florida has its unique dangers. Here is what you need to know about Florida Specific Risks:
Wind and Hurricanes: Strong storms can damage roofs and walls, meaning you need robust wind coverage. Some homes qualify for discounts if they are built or retrofitted for storm resistance—a process known as wind mitigation.
Flood: Flood insurance covers water coming in from outside, such as heavy rain, storm surge, or rising tides. Important note: Water that originates from inside your house (like a broken pipe) is typically handled differently by standard homeowners insurance rather than flood policies. Since 2021, flood risk is evaluated based on exact location coordinates rather than just elevation, making private flood insurance a flexible option for luxury properties.
Pools and Waterfront: Features like pools, docks, and waterfront locations raise liability risks. You will want extra liability coverage to protect against accidents.
Roof and Water Damage: Roofs take a heavy beating in Florida, and water damage claims are frequent. Ensuring your policy handles these thoroughly is vital, and surplus lines insurance can step in when standard carriers decline coverage.
Replacement cost means the insurance pays the agreed amount to rebuild or replace your home and belongings. Its the actual cost to bring your property back to its original standard. When an unexpected loss happens, you want your property restored fully without compromises.
Consider these useful add-ons to protect every facet of your lifestyle:
HUB is a leading brokerage in Florida for high end personal insurance, specializing in complex estates, luxury homes, and valuable collections like art and jewelry. You will work with a dedicated specialist who understands your exact portfolio and someone I personally know and trust. They maintain an in house claims department, meaning they advocate directly on your behalf if an issue arises.
They also perform a comprehensive GAP analysis, evaluating your current policies to identify missing protections and streamline everything into a single, cohesive strategy.
Get introduced to our partner at HUB.
Discuss your specific property and lifestyle needs.
Allow them to analyze your risk exposure.
They evaluate options across the top luxury insurance carriers.
Review a clear, transparent proposal with exact figures.
Approve the terms, bind coverage, and finalize setup.
Receive ongoing, dedicated support moving forward.
Contact me today to set up your consultation with my trusted local HUB agent.
