The problem
Non-renewed, stuck, and getting twenty calls
Florida's home insurance market has been through years of company exits, rate filings and non-renewals. When a homeowner gets a non-renewal notice, the typical next step is a quote website. That form often goes to a lead marketplace, which sells it to several agencies at once.
What follows is predictable: a wave of calls and emails, many agents quoting from overlapping options, and almost nobody explaining what changed between the old policy and the new one.
What gets missed
- A percentage hurricane deductible that's far larger in dollars than you expected.
- Roof surfacing settled on a payment schedule instead of replacement cost.
- Lower limits on water damage, or exclusions you never noticed.
- Missing ordinance-or-law coverage for older homes.
What to do instead
Work with one licensed agent who shops the market available to them and puts the trade-offs in writing. That's the whole idea behind this site.
If you can't find coverage in the private market, Citizens Property Insurance Corporation is Florida's insurer of last resort; a licensed agent can tell you whether you may be eligible.