Get the most out of your homeowners insurance.

Sometimes in life, the unexpected happens. Florida Peninsula offers best-in-class coverage options when damage from lightning, fire, theft, vandalism, windstorm, or hail scenarios occur. Protect your home and everything in it against any damage caused by natural disasters. Get your quote today.
Homeowner's Insurance
Homeowners Insurance

We’re glad you’re home.

Your homeowners insurance policy is meant to make you feel at home. In a nutshell, homeowner’s insurance policies are designed to protect you, your home, and your personal belongings against unfortunate events including fire, lightning, wind, hail, vandalism, and theft.

When calamities like these strike, homeowners insurance helps cover damage caused to your home, protects your assets and pays for many associated expenses.

Based on the exact coverage you choose, you could be covered for additional living expenses including hotel stay if your home is deemed unlivable.

Homeowners insurance built to protect you.

Florida home buyers are usually required by mortgage lenders to purchase homeowners insurance to ensure the home can be rebuilt should a total loss occur. For those without a lender requirement, it is important to remember it only takes one storm to handicap a family financially and take years to recover.

Why Florida Peninsula is unmatched.

Options which will allow customized coverage for your specific insurance needs.
Customer Excellence
Our mission is to exceed our policyholders expectations and provide a positive customer experience.
Financial Stability
Ready to provide you with the peace of mind you need should the unthinkable happen.
We strive to provide a fast, fair, seamless, and best-in-class claims experience to our policyholders in their time of need.

Relax, we’ve got you covered.

At Florida Peninsula, we offer homeowners insurance policies with comprehensive coverages you can count on when you need it most.
Homeowner's Insurance - Coverage A - Dwelling Coverage

Dwelling coverage

Coverage for damage to your house and any permanent structures on your property.
Homeowner's Insurance - Coverage B - Other Structures

Other structures

Coverage for physical structures that are on your property and not attached to your home.
Florida Peninsula Insurance - Coverage C - Personal Property

Personal property

Coverage for your personal belongings like furniture, clothing, jewelry, and electronics.
Florida Peninsula Insurance - Coverage D - Loss of Use

Loss of use

Coverage for expenses like renting an apartment while your home is rebuilt.
Florida Peninsula Insurance - Coverage E - Personal Liability

Personal liability

Coverage against medical bills and legal fees if someone happens to be injured on your property.
Florida Peninsula Insurance - Coverage F - Medical Payments

Medical payments

Coverage protection against payments for minor medical bills if someone is injured on your property.

Coverage options for every possibility.

We understand that every customer is unique, so we offer many additional types of coverage for you to choose from.

Add flood insurance to your policy.

With an average of 60 inches of rainfall per year, Florida is more likely to flood than any other state in the nation. Consider adding flood insurance to your policy to maximize your protection.
Florida Peninsula Insurance - Flood Insurance

Need an expert’s opinion?

Speak to an experienced Florida Peninsula agent in your area to discuss the coverage that is right for you.

Have questions about the right coverage for you? We have answers.

Let’s answer all your questions and curiosities surrounding homeowners insurance.
Am I required to let the insurance company inspect my home?

Yes.  Inspections are conducted in an effort to identify any possible dangers or risks to the homeowners.  Any issues detected will be communicated to the policyholder and agent to ensure the proper steps are taken to maximize the safety to the homeowner and their family.  Florida Peninsula inspects 100% of the homes we insure.  In the event an interior inspection is needed, a mutually agreeable time and date will be coordinated with the owner.

What coverage is right for you?

A little preparation goes a long way; and we want your coverage plan to fit your needs.  Investing a little of your time making a list of possessions, staying abreast of local building costs, and remembering to meet with your agent annually to review your policy, can help you customize a policy that fits your needs. Here are a few things to consider when outlining your coverage plan:

  • Have local building costs risen?
  • Has your home been remodeled or expanded?
  • Do you know what your insurance deductible is?
  • Do you have money set aside to cover the deductible if you have a loss?
  • Do you have an inventory of your possessions?
  • Do you need additional coverage for assets like jewelry, art collections, fur coats or other expensive items?
  • Do you need coverage for additional living expenses after a disaster?
  • Do you need flood coverage in the event water rises into your home from a lake or storm surge?
  • Do you require animal liability protection should your pet injure someone?
  • Do you need an umbrella or excess liability policy?
Why should you buy home insurance?

Homeowners insurance is necessary when you have a mortgage lender, however, should the unthinkable occur, this coverage will provide you peace of mind and financial stability knowing you can rebuild.

How often should I review my policy?

Experts recommend you review your policy each time it comes up for renewal. Additionally, it’s a good idea to reevaluate your coverage as a result of the following situations:

  • Following a home renovation
  • When an occupant moves in or out
  • After purchasing a high-end luxury item

Looking for helpful resources to help protect your home?

Stories and information to help you plan, prepare, and protect what matters most.
What Your Homeowner's Insurance May Not Cover

What Your Homeowner's Insurance May Not Cover

We have curated a list that highlights some of the additional coverages which may not be included in your typical homeowners insurance policy.
First Time Homeowner's Tips

First Time Homeowner Insurance Tips

We want to help first time homeowners get the right coverage needed by providing a few tips to better understand homeowners insurance.