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Florida Homeowners Insurance

Florida homeowners insurance, also acknowledged as FL home insurance and even hazard insurance, is a type of property insurance that is intended to protect a personal residence. This insurance policy gives a choice of insurance protections that are inherently personal in disposition, including losses that come about to your home, the belongings of your home, the loss of the usage of your home and/or the loss of extra goods that belong to you as a homeowner. This sort of insurance moreover covers liabilities in the form of liability insurance for homeowners, mainly in the case of incidents happening at your home or at your own hands within territories around your home also covered through the policy.

Homeowners insurance is moreover referred to as a multiple-line insurance policy. This is notable in the case of policies that consist of both property insurance and liability coverage with an indivisible premium, one that is basically a solitary paid premium that covers all possible dangers. A good number, 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 cost to restore the home, in addition to any supplementary endorsement and/or riders attached to the policy. At best, Florida home insurance policies are more or less contracts concerning your insurance supplier and a named insurer-in this situation, yourself as the homeowner. As a contract of indemnity, this contract is primarily designed to help bring your home back to the shape it was in previous to the disaster or losses affected you and your home. At the end of the day, the best home insurance policy can help you bring your home formerly to the way it used to be, before that same home experienced losses or other harmful occurrences.

  • 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