Your home
Dwelling coverage helps repair or rebuild your house after a covered loss, subject to your policy limits.
HOME INSURANCE, THE WORTH WAY
Home is everything.Protect it well.
A Florida home deserves more than a one-size-fits-all policy. Explore homeowners insurance options with an independent team that knows the Sunshine State.
✦ Multiple carrier options✦ Florida-focused guidance✦ Real licensed agents
Made for Florida homes, from the first set of keys to your forever home.
WHAT YOUR POLICY CAN PROTECT
The right protection, piece by piece.
Homeowners insurance is a collection of important protections. Here are the six main coverage categories to understand.
Other structures
Protection for qualifying detached structures such as fences, sheds, or standalone garages.
Your belongings
Personal property coverage can help replace covered belongings after theft or other insured damage.
Temporary living costs
Loss-of-use coverage may help with additional living expenses if a covered claim makes your home unlivable.
Personal liability
Financial protection for certain injuries or property damage for which you may be legally responsible.
Guest medical expenses
Limited medical payments coverage can help with certain minor injuries to visitors.
Not sure which limits are right for your home?
A Worth agent can help you understand available options.
A SIMPLER WAY TO INSURE
Simple steps. Thoughtful coverage.
Start online, explore your options, and choose with the support of a licensed Florida agent.
01 / SHARE
Tell us about your home
Provide the property details that help determine coverage eligibility and pricing.
02 / COMPARE
Review available options
Compare meaningful differences across carriers, limits, and deductibles.
03 / PROTECT
Choose with confidence
Get help selecting a policy appropriate for your needs before binding coverage.
BUILT AROUND FLORIDA
A little more sunshine. A lot more to consider.
Florida homes face a distinctive mix of hurricane winds, heavy rain, coastal exposure, and changing insurance markets. We help you focus on what actually matters in your policy.
Hurricane deductibles
Understand when a separate percentage-based hurricane deductible applies.
Flood is separate
Rising water and storm surge generally require their own flood coverage.
Roof and wind mitigation
Construction details and documented mitigation features can influence pricing and eligibility.
SMARTER WAYS TO SAVE
Good protection can come with smart savings.
Discounts vary by carrier and property. These are some common features Worth can help you ask about.
Wind mitigation
Eligible roof-to-wall connections, opening protection, and other verified wind-resistant features.
Home security
Qualifying monitored alarms, smoke detectors, or related protective features.
Roof improvements
Roof age, materials, and permitted updates may affect available options and premiums.
Savings depend on carrier underwriting, documentation, coverage selection, and eligibility. Discounts are not guaranteed.
WHY INSURE WITH WORTH?
Not just another quote. A clearer way forward.
We’re an independent agency, not a single insurance carrier. Our role is to help you review options and make a more informed choice.
More choices, fewer dead ends
Explore home insurance availability across multiple carriers instead of shopping one company at a time.
People who know Florida
Get practical help evaluating storm exposure, deductibles, roof questions, and local insurance requirements.
Guidance past the quote
Understand the policy tradeoffs behind the premium before making an important coverage decision.
FEEL AT HOME WITH YOUR COVERAGE
The details matter. So does the person helping you.
From the first quote to a renewal review, we focus on explaining what’s included, what’s excluded, and where you may need additional protection.
Understand the fine print
Ask about roof settlement, water exclusions, replacement cost, ordinance or law coverage, and deductibles.
Compare beyond the price
The lowest premium isn’t always the best match for your property or risk tolerance.
GOOD QUESTIONS. CLEAR ANSWERS.
Florida home insurance, explained.
Answers to the coverage questions Florida homeowners ask most often.
Ask a Worth agent ↗Is homeowners insurance required in Florida?
Florida generally does not require homeowners insurance by law, but mortgage lenders typically require it. Coverage can also help protect you from significant property or liability losses.
Does home insurance cover hurricane damage?
Many Florida homeowners policies provide coverage for wind damage from hurricanes, subject to policy terms and often a separate hurricane deductible. Flooding and storm surge generally require separate flood insurance.
Why are Florida home insurance premiums different?
Location, rebuilding cost, construction features, roof age, claims history, selected limits, deductibles, and carrier underwriting can all affect premiums.
What is a wind mitigation inspection?
An inspection documents wind-resistance features such as roof shape, roof-to-wall connections and opening protection. Eligible features may qualify for carrier credits.
Can I compare private insurance with Citizens?
Depending on eligibility and market availability, your agent can explain private-market offers and how they compare with Citizens Property Insurance options and applicable rules.
Is flood protection part of a homeowners policy?
Typically no. Flood insurance is a separate policy and may be available through the National Flood Insurance Program or private insurers.
MORE WAYS TO FEEL PROTECTED
Protection that works together.
A home policy is one part of the picture. Explore other insurance products that may matter to Florida households.
YOUR HOME. YOUR NEXT CHAPTER.
Feel more at home with your insurance.
See what’s available for your Florida property, with help from the Worth team.