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It’s your nest. Protect it.
We’re committed to making it simple to get the coverage you need, with insurance policies designed for Florida homeowners.
Every policy covers the essentials
- Coverage for your Dwelling & Other Structures
- Actual Cash Value for Contents
- Personal Liability Coverage
- Significant Discounts for Roof Settlement Schedule
- Full Suite of Deductible Options
- Option to Increase Coverage for Contents, Loss of Use & Personal Liability
- Option to Increase Coverage Limits
Must-have
coverage for Florida Homeowners
A modern and simple approach to insurance coverage starts now.
Special Discounts
A sea of savings available based on eligibility.
Seniors & Retirees
Discounted rates for insured members 55 or older.
Newer Construction & Renovations
Discount for homes built within the last 10 years AND for roofs replaced within the last 10 years.
Smart & IoT Home Protection
Discounts for modern leak detection and water shutoff systems, fire and burglar alarms, and other protective devices.
Wind Protection
Discounts for upgrades and features designed to mitigate against wind damage. Hurricane Mitigation Discount details.
Protected Community
Discount for homes in neighborhoods protected by gates and security systems.
Accredited Builder
Discount for homes built by qualified builders that provide a home warranty.
Work with our team to enhance your coverage
While essential homeowners insurance coverage protects the basics, most Florida homeowners benefit from additional coverage. Our easy-to-understand coverage tiers allow you to customize a policy with features that protect your lifestyle.
Water Backup
In Florida, tropical weather isn’t the only source of potential water damage. Get coverage for damage caused by overflowing pipes or drains in your home.
Hurricane Screen Enclosure
In Florida, screen enclosures help us enjoy the outdoors without bugs enjoying us. This add-on will provide coverage for the repair or replacement of your screen enclosure frame if it is damaged in a hurricane.
Animal Liability
Your furry friend is more than just a pet, it’s a family member. However, incidents like dog bites, do happen. Feel safer knowing you have financial protection from the costs of injuries or damages caused by your pet to others.
Jewelry and Valuables
Feel secure knowing that your precious jewelry and valuables like collectibles or art are protected by additional homeowners insurance coverage.
Refrigerated Property
Surprises happen. You can add this protection to your policy to help reimburse you for refrigerated foods ruined during any mechanical failures or interruptions in electrical service.
Golf Cart
Whether you’re using your golf cart around your property, or as a means of transportation within your community, having adequate insurance coverage is essential. Customizable coverage options are available.
Frequently Asked Questions
Get the information you need to feel secure in choosing Loggerhead to protect your home.
In Florida, homeowners insurance is not legally required. But if you have a mortgage, your lender will require you to carry homeowners insurance. Typically, your bank or lender will require enough coverage to repair or rebuild the home if it is damaged and to cover the outstanding balance on the mortgage. If you own your home outright, it is not legally required. However, it is highly recommended to protect you financially against risks like lawsuits and major damage to your home or belongings.
Homeowners insurance generally covers damage to your home’s structure from events like fire, wind damage, or vandalism, but excludes flooding unless additional coverage is purchased. It also covers personal belongings, liability protection for injuries on your property, and temporary living expenses if your home becomes uninhabitable due to a covered event. For high-value items or specific risks like hurricanes in coastal areas, extra policies or add-ons may be required. At Loggerhead, we work closely with you to make sure that your policy covers your specific needs and addresses your personal risk tolerance.
No, standard homeowners insurance in Florida doesn’t cover flooding. If you want protection against flood damage, you’ll need to get a separate flood insurance policy, usually through the National Flood Insurance Program (NFIP) or a private insurer. This is especially important if you live in a flood-prone area, which as we know can be quite common in Florida. Your lender will typically require you to carry flood insurance, but even if it’s not mandatory, it’s recommended. Repairing flood damage can be very costly.
Yes, homeowners insurance can cover certain incidents that happen away from your home. For example, if you take a weekend trip and your laptop is stolen from your hotel room or car, your homeowners insurance might help cover the loss under the personal property section of your policy.
The difference between actual cash value and replacement cost coverage comes down to how much you’ll get paid if something gets damaged or destroyed.
Actual cash value coverage pays you what your item or home is worth right now, taking into account depreciation. This usually means you'll get less money.
Replacement cost coverage, on the other hand, gives you enough to replace the damaged or lost item with a new one of similar kind and quality, without worrying about depreciation.
In short, actual cash value reflects the depreciated value, while replacement cost helps you replace the item at today’s prices. Talk to your Loggerhead agent about which option makes sense for your Florida lifestyle.
Yes! Homeowners insurance can help with legal and medical costs in certain situations. If someone gets hurt on your property or if you accidentally cause damage to someone else’s stuff, your liability protection can help to cover your legal expenses.
Additional medical payments coverage can help pay for medical bills if someone gets injured at your home, no matter who’s at fault. So, if a friend gets hurt while visiting you, this part of your policy can help cover their medical costs.
Just keep in mind there are limits and exclusions, so ask your Loggerhead agent to walk you through the details.
Homeowners insurance and a home warranty aren’t the same thing—they each cover different aspects of home protection.
Homeowners insurance is like a safety net for unexpected events. If a hurricane hits your Florida home and causes damage, or if your belongings are stolen, homeowners insurance helps cover those costs. It also provides liability protection if someone gets hurt on your property, like if a guest slips on a wet floor during a summer rainstorm.
On the other hand, a home warranty is more about keeping things running smoothly. If your air conditioner breaks down after a long, hot Florida summer or your dishwasher stops working, a home warranty can help with the repair or replacement costs. It covers things that wear out over time, like appliances and home systems.
The amount of homeowners insurance coverage you need depends on several factors, including the cost to repair or rebuild your home, your belongings, and your personal liability needs. While it can be tempting to lower coverage to save money on your insurance premium, this can expose you to financial risk in the event of a loss. Your Loggerhead agent will help you determine the right amount of coverage to cover the cost of repairing or rebuilding your home if it’s destroyed in a covered event. For property, liability, and loss of use coverage, you should consider your needs and adjust to ensure that you feel truly protected.
It’s quick and easy to get a quote online at Loggerhead. Just complete our simple form and a licensed agent will provide you with an initial quote and be available to further discuss your coverage needs.