Skip to main content

Shop for Florida Home Insurance in minutes!

Create your free Florida Home Insurance quote 100% online. Enter your Zip Code below to get started!

Florida Home Insurance

Florida home insurance, moreover identified as FL home insurance and even hazard insurance, is a kind of property insurance that is intended to protect a personal residence. This insurance policy delivers a variety of insurance protections that are inherently personal in makeup, including losses that happen to your home, the belongings of your home, the loss of the usage of your home and/or the loss of additional belongings that belong to you being a home owner. This kind of insurance moreover addresses liabilities in the form of liability insurance for home owners, mainly in the case of incidents taking place at your home or at your own hands within territories around your home also covered through the policy.

Florida home insurance is moreover referred to as a multiple-line insurance policy. This is notable in the situation of policies that contain both property insurance and liability insurance with an indivisible premium, one that is more or less a single paid premium that insures all probable hazards. A large amount, if not all, basic home insurance policies are set up in this way.

The costs of these insurance policies are dependent on what it may perhaps cost to restore the home, in addition to any additional endorsement and/or riders attached to the policy. At best, Florida home insurance policies are more or less contracts between your insurance supplier and a named insurer-in this instance, yourself as the homeowner. As a contract of indemnity, this contract is generally intended to help bring your home back to the shape it was in previous to the mishap or losses affected you and your home. At the end of the day, the best Florida home insurance policy can help you bring your home back to the way it used to be, before that same property experienced losses or other detrimental occurrences.

Get your Florida home insurance policy today with Universal Direct!

  • Hands typing on a laptop
    By answering some simple questions about your home, we’ll get you the protection that you deserve, all through our secure network.
  • A family and their dog
    We recommend coverage amounts for your personal situation and break down everything we offer with clear-cut explanations so you know exactly what you’re getting.
  • Call center representatives
    At any point along the way, we’ll be there to assist you. We provide online chat with licensed professionals as well as video help, always just a click away.


I would like to thank the team at Universal for all the help this past year regarding the policy for my new home. Everyone that I have dealt with has been informative, attentive, and helpful; these are rarely observed qualities in today's market place.
Home owner
It was very frustrating to have a leak in my ceiling from the bathroom in the above apartment, with the ceiling buckling creating a hazard with the ceiling coming down.

When I reached a Universal associate, I found her to be so reassuring and friendly. She listened and then acted. I had a new hope for insurance companies and restored my confidence in the fact that there are people and businesses that really have goals of helping those that are affected by adverse circumstances. I needed to let you know that you are one of them!
Condo owner