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Home > Home Insurance | Floridian Coastline Insurance - Fort Lauderdale, Miami, Boca Raton, Florida

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Home Insurance Quote

Homeowners Insurance Information

Serving Fort Lauderdale, Miami and areas across Florida


If you are in the process of purchasing a home or are already a homeowner, insurance plays an important role in your ability to protect your financial wellbeing. While your mortgage lender may require you to carry certain types and amounts of homeowner’s insurance, you have many options to help tailor your coverage to meet your needs.  

The homeowner’s insurance experts at Floridian Coastline Insurance in Fort Lauderdale are ready to help you understand and evaluate your choices. We are committed to helping our clients get the high-quality coverage they need to help protect one of their most valuable possessions.  

Call us at 954-302-4531 today to learn more about how to get the best possible homeowner’s insurance for your situation.  

What Is Home Insurance?  

Your homeowner’s insurance policy helps protect you from financial harm if your home is damaged or destroyed in a covered event. A house fire, hurricane, windstorm, or hailstorm could cause tens of thousands of dollars of damage to your property. Your home insurance may pay for necessary repairs to help you recover.  

What Does Home Insurance Cover?  

Homeowners insurance policies provide many essential benefits designed to offer targeted protection for a number of unavoidable events. Here are a few aspects of a homeowner’s insurance policy that may help you avoid financial losses:  

  • Liability coverage: If you accidentally cause damage to someone else’s property or harm them, this coverage helps repay them. Liability coverage may pay for incidents on and off of your property.  

  • Possessions insurance: This coverage helps pay for damaged belongings after a covered incident. Your computer systems, food in the pantry, and furniture may have coverage.  

  • Structure protection: This coverage helps insure your home if it sustains damage due to a covered event like fire or vandalism.  

  • Detached structures coverage: Structures other than your home including gazebos, fences, and detached garages may have coverage under this portion of a policy.  

  • Additional living expense protection: If you must move out of our home temporarily to allow for repairs after a covered event, this part of your policy allows the insurance company to help reimburse you for expenses like hotels and dining out.  


Everyone’s home is unique, so it may be wise to tailor your benefits with options such as: 

  • Replacement cost for your possessions 

  • Flood insurance 

  • Umbrella liability insurance 

  • Pet liability insurance 

  • Windstorm, hurricane and earthquake endorsements 


We can work with you to tailor your plan to ensure it has the deductibles, coverages and coverage limits that are right for you.  

How Much Home Insurance Should I Buy?  

Your mortgage lender may require proof of your homeowner’s insurance policy. In general, you’ll need at least enough insurance to cover your home’s replacement cost.  

Our agents recommend that homeowners carry replacement cost. In the event of a disaster that renders your home a total loss, this coverage will help you handle the costs of rebuilding.  

How Much Does Homeowner’s Insurance Cost?  

Many factors contribute to the cost of your home insurance, including: 

  • Your home’s location 

  • Your credit score 

  • Your home’s security features 

  • Your policy details and coverage limits 

  • Your home’s value

  

Contact Us Today for a Home Insurance Quote 

When you are ready to get the home insurance coverage you need, contact the agents at Floridian Coastline Insurance for assistance. We can help you get the right coverage for your home at an affordable price.   

Additional Resources

  • Preparing Your Home for a Hurricane
  • Do You Have Windstorm Insurance
  • Read more Home Insurance articles here.
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