Quotes from every home insurance company. Instantly.
All carriers in Florida · prices in ~60 seconds
Get quotes in 4 steps
Enter your address
Type your Florida property address — we pull public records, flood zone and replacement cost instantly.
Confirm the details
Review year built, roof, square footage and construction. Upload a 4-point or wind mitigation if you have one.
See every quote
Prices from every A+ carrier writing in Florida appear on screen in seconds, sorted by best value.
Buy or talk to an agent
Bind online, schedule a call, or save your quote. Your AI agent keeps re-shopping for cheaper rates.
Your AI Agent watches every Florida carrier — so you don't have to.
Every day, your assigned AI agent re-checks Citizens, Universal, Tower Hill, Heritage, People's Trust and every other A+ carrier in the state. The second a cheaper policy shows up, you get a text and email with the savings.
- Scans every Florida home & flood carrier, 24/7.
- Compares against your current policy automatically.
- Pings you only when it's actually worth switching.
How this works, start to finish
Never bought a policy on your own before? Here's exactly what happens, in order, and what we need from you at each point.
- 1
You type your address
That's it — no long application. We look up the public records on your home (size, year built, roof, flood map) so you don't have to answer 40 questions.
Just the address - 2
You check the details we found
We show you what we pulled up. If the roof year or square footage looks wrong, fix it — the price changes with it.
About 30 seconds - 3
Real prices appear on screen
We ask for your name, cell and email, then send your home out to the insurance companies writing in Florida. Prices come back live, cheapest first, for both the house and flood.
Name, cell, email - 4
You pick one, or just keep the prices
Buy online, or have a licensed Florida agent finish it with you by phone. Not ready? We keep watching your price and text you when something cheaper shows up.
No obligation, ever
Two policies protect a Florida home: one for the house itself (fire, theft, wind) and a separate one for flood. We price both at the same time so you see the real total.
One address. Every Florida home & flood carrier.
We're an independent Florida agency, so we shop the whole market for you — admitted carriers, surplus lines and both NFIP and private flood — instead of selling one company's price.
Citizens
Universal Property
Tower Hill
Heritage
People's Trust
Florida Peninsula
Slide
Olympus
American Integrity
Security First
Southern Oak
TypTap
Edison
Cypress
Frontline
SafePoint
Wright Flood
Neptune
NFIP
SageSure
Carrier availability depends on your address, roof age and construction. Not every company quotes every home.
Why Florida homeowners start here
No phone tag to get a price
You don't wait for a callback or fill out a 40-field application. Your address pulls public records, flood zone and replacement cost automatically, and pricing starts on screen.
Home and flood side by side
Florida home policies exclude flood. We price both together so you see the real cost of protecting the house — not half of it.
Hurricane details handled
Wind mitigation credits, hurricane deductibles and 4-point requirements on older homes are applied for you. Upload an inspection and we read it and re-price automatically.
It keeps working after you buy
Your AI agent re-shops your rate ahead of renewal and texts and emails you when a cheaper carrier appears. Keep your current policy and still use it.
Insurance words, in plain English
No one should need a glossary to buy insurance — but if you hit a word you don't know, here's what it actually means.
- Premium
- The price of the policy — what you pay for the year (or per month if you split it up).
- Deductible
- The part of a claim you pay yourself before the insurance company pays the rest. A higher deductible means a lower price, but more out of your pocket if something happens.
- Hurricane deductible
- A separate, usually larger deductible that only applies to hurricane damage. It's normally a percentage of what your home is insured for, not a flat dollar amount.
- Dwelling coverage
- The most the policy will pay to rebuild your house if it's destroyed.
- Replacement cost
- What it would cost today to rebuild your home from scratch. It's not the same as what you paid or what it would sell for.
- Liability
- Covers you if someone is hurt at your home or you damage someone else's property, including legal costs.
- Loss of use
- Pays for a hotel, rental and extra meals while your home is being repaired after a covered claim.
- Wind / hurricane coverage
- Damage from windstorms and hurricanes. Some cheaper Florida policies leave it out, so you'd buy a second policy just for wind.
- Hazard only (no wind)
- A home policy that covers fire, theft, water leaks and liability — but not hurricane or wind damage. It's cheaper, and you add a wind-only policy alongside it.
- Flood zone
- A federal map rating of how likely flooding is at your address. Zone X is the lower-risk one; anything starting with A or V is high risk and lenders require flood insurance there.
- Wind mitigation report
- A quick inspection that documents how your roof and windows are built. Nearly every Florida home saves money once we have it — often hundreds a year.
- 4-point inspection
- A short check of the roof, electrical, plumbing and air conditioning. Most companies ask for it on homes built before 2002.
- Escrow
- When your mortgage company collects the insurance with your monthly payment and pays the bill for you.
- Mortgagee
- Your mortgage company. It's listed on the policy so the lender knows the home is insured.
- Binding
- Actually starting the policy. Until it's bound, a quote is just a price.
- Independent agency
- We work for you, not one insurance company, so we can shop many companies and show you whoever is cheapest.
Questions homeowners ask us
How fast can I really get a quote?
Prices from carriers writing in Florida start appearing within seconds of entering your address, and the full set is usually on screen in about a minute. You can have them texted and emailed to you too.
Do I need flood insurance if I already have homeowners insurance?
Yes. Every Florida homeowners policy excludes flood. Flood is a separate policy through the NFIP or a private carrier, and lenders normally require it in high-risk zones. We quote home and flood at the same time.
My home was built before 2002 — what do you need?
Carriers generally require a 4-point inspection (roof, electrical, plumbing, HVAC) and a wind mitigation report to apply hurricane credits. Upload either one and we read the data automatically and lock in accurate pricing.
Will I get spam calls?
No. Your information goes to licensed agents at Insurance Exchange of America only. We don't sell your data to lead buyers, and you can opt out of texts any time by replying STOP.
Does it cost anything to compare?
Nothing. Quoting is free and there's no obligation to buy. Plenty of people use us just to price-check the policy they already have.
Can I talk to a real person?
Any time. Licensed Florida agents handle every bind, endorsement and claim question — call (877) 373-6073 or ask for a callback right from your quote results.
See your price before you talk to anyone.
Free, no obligation, and no phone call required. Enter your Florida address and watch the quotes come in.