Homeowners Insurance

The homeowner's insurance marketplace in Florida is anything but simple. 

When principal-agent Todd Sipowski stood on the streets of Homestead in the aftermath of Hurricane Andrew, he saw firsthand the destructive power of a natural disaster in a densely, populated region like South Florida. Working as a claims specialist for a Fortune-500 insurance company, he spent time with the victims and families who saw their homes ripped apart by Andrew. 

Since Hurricane Andrew, homeowners insurance in Florida has become more complicated. Our agency is dedicated to finding the best companies that will stand up to the financial strain of a once-in-a-lifetime storm. 

Our agency can help you find the right carrier and comprehensive policy for your Florida home, from the Florida Keys to the Panhandle.  Our carriers offer all the major policy types to meet your needs, including but not limited to:

• HO-3
• HO-6
• HO-8
• HO-5

During and outside of hurricane season, your home still needs to be protected. Our team can help you find the right policy and coverage to insure:

• Structure
• Contents of the Home
• Additional Living Expenses or Loss of Use
• Personal Liability 

Don't be blindsided by a hole in your coverage. 

We specialize in identifying duplicate or overlapping coverage. Our agents can also help find holes in your coverage, so you can be sure you're protected from financial pressure.

Why independent?

As an independent agency, we are committed to finding the right company and right policy for your coverage needs. 

Interested in a policy or coverage you don't see listed? Give our office a call or send us an email to request more information.