HOMEOWNERS INSURANCE
Protect everything you've worked hard to build — with the right home insurance.
Real homeowners coverage for real Florida living — hurricane deductibles, Wind Mitigation credits, and flood zones explained by a Florida native who's spent her career in this industry.
Fast, Local Claims Support
20+ Carriers Compared
Locally Owned
& Operated
COVERAGE
Homeowners insurance,
built for the Sunshine State
Every home, every carrier, and every policy is different here — our job is helping you understand exactly what yours includes and excludes before you sign anything.
DWELLING & STRUCTURE
From major repairs to a complete rebuild, this is coverage for the structure you call home.
PERSONAL PROPERTY
Your belongings, covered at replacement cost — not resale value.
WINDSTORM & HURRICANE
Its own deductible, plus wind mitigation credits many homeowners miss.
LIABILITY PROTECTION
Coverage if someone's hurt at your home. We typically recommend $300K, not the $100K minimum.
WHY WARNER
Independent means we work for you, not one insurance company.
Captive agents can only sell you one company's product. We compare over 20 carriers and find the one that actually fits your home. When you have a claim, we're the one in your corner, not just a name on a policy.
7+
Years in Florida Insurance
20+
Carrier Partners Compared for You
Get a real answer about what you’re covered for.
MORE WAYS WE CAN COVER YOU
One agency, every kind of coverage.
Warner Insurance covers the full picture of Gulf Coast living—not just the house.
AUTO INSURANCE
Protect yourself, your vehicle, and your wallet with auto coverage tailored to how—and what—you drive.
UMBRELLA INSURANCE
An extra layer of liability protection that goes beyond your home and auto policies—helping protect the life you’ve worked hard to build.
FLOOD INSURANCE
Living in Florida means living with water. Flood insurance helps protect your home and belongings from damage your homeowners policy doesn’t cover.
SERVICE AREA
We've got Florida covered.
We write policies across the entire state, but our roots are on the west coast — Manatee, Sarasota, Hillsborough, Pinellas, Charlotte, Pasco, Lee, and Collier counties.
Here are a few of the communities we work in most:
Venice
Siesta Key
Sarasota
Bradenton
Lakewood Ranch
Anna Maria Island
Clearwater
St. Petersburg
Tampa
BUNDLE & SAVE
Ways to Lower Your Home Insurance Premium
We don't just chase the cheapest quote — we go line by line so you understand exactly what you'd give up for a lower premium.
BUNDLE HOME & AUTO
Typically saves $200–$1,000/year
WIND MITIGATION CREDIT
Based on your roof shape & connections
NEWER ROOF DISCOUNT
Roof age affects rate & eligibility
RAISE YOUR DEDUCTIBLE
We'll show you the real trade-off first
Frequently Asked Questions about Florida Home Insurance
FAQ
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This is the question we get asked more than any other. Florida rates are driven by catastrophic weather and litigation — not just your personal claims history. Our reinsurance carriers' costs go up from claims all over the world, and that gets passed down. A wave of fraudulent roofing claims here in Florida over the last several years also drove premiums up statewide. It's frustrating, but it's not personal, and legislation is actively being worked on to protect Florida homeowners from constant rate increases.
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Not usually — and this is one of the biggest things new Florida residents misunderstand. In most cases, flood insurance is a separate policy from your homeowners policy, regardless of your flood zone. We'll check your zone and tell you plainly whether you need it.
Some helpful things to keep in mind:
Flood risk extends beyond FEMA flood zones. A significant percentage of national flood claims come from properties outside high-risk FEMA flood zones. In Florida, intense rainfall and tropical systems can flood neighborhoods that have never experienced flooding before, making flood insurance valuable even for homes considered lower risk.
Flood risks can affect a variety of home-related costs. These include mortgage requirements, annual insurance costs, home resale value, and long-term affordability.
Modifications that could potentially offset cost. Homeowners can sometimes reduce flood losses and insurance costs by elevating utilities and HVAC equipment, installing flood vents, using water-resistant building materials and improving site drainage
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A Wind Mitigation inspection checks features like your roof shape and how it's connected to your walls — features that can unlock a real credit on your premium. It's not something every insurance agent knows to look for unless they’re familiar with Florida. We work with trusted inspectors who can usually get you scheduled quickly, with results back within 24 hours.
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It's happening to a lot of Florida homeowners right now, and it's not a reflection on you. We help families go through this by running a replacement cost estimate to confirm you're covered at the right level, then shop you to the next carrier that's a good fit. You're not starting over from scratch; we're doing the legwork.
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A lot of agents default to the state minimum of $100,000. We typically recommend starting with at least $300,000 worth of coverage — Florida is a very litigious state, and that minimum can fall short of what's actually at stake if someone is hurt on your property.
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Yes! Typically anywhere from a couple hundred dollars to $1,000 a year, depending on the carrier. Carriers see bundled clients as lower risk and more likely to stay long-term, so they price accordingly.
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Quotes are typically turned around within 24 hours. Once we've talked through your coverage and you're ready to move, a policy can be quoted and bound the very same day.
What do you want your insurance to actually accomplish?
Let's talk it through — no pressure, no jargon, just an honest look at what's covered and what isn't.