Florida
Home insurance quotes for a Florida mortgage closing
Insurance is one of the last things to hold up a Florida closing. Enter the subject property address and you get home and flood pricing, lender-required limits, and a printable quote sheet you can drop straight into the loan file.
Show my quotes →What moves the price
- Dwelling coverage that satisfies the lender's replacement cost requirement
- Flood coverage at lender-required limits when the property sits in a special flood hazard area
- Mortgagee clause and loan number on the binder
- Escrow-friendly annual premium figure for the closing disclosure
- Inspections required on pre-2002 homes (4-point and wind mitigation)
What lenders ask for
Underwriters and closers almost always want the same handful of items:
- Dwelling limit at or above replacement cost, with the hurricane deductible shown
- Correct mortgagee clause, loan number, and effective date matching the closing date
- Flood policy or a FEMA determination showing the property is outside a special flood hazard area
- Full-year premium for escrow, not a monthly figure
For mortgage brokers and realtors
If you send us files regularly, we set you up with your own branded quote page and portal so every quote you run is saved under your name with a printable quote sheet for the file. See the partner program for details.
Common questions
Quotes are instant. A licensed agent issues the binder with your mortgagee clause and closing date, usually the same business day.
Homes built before 2002 typically need a 4-point and wind-mitigation inspection to lock final pricing. Upload them at quote time and our AI reads the details in.
Related: Florida flood zones · Condo HO-6 insurance · Quotes by city
Licensed Florida agency (FL License #P082969). Text 4QUOTE (478683) anytime or call (877) 373-6073 to talk to a live agent.
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