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Homeowners Insurance

Florida Homeowners Insurance

homeowners insurance florida
Homes are typically where memories are made, families bond and for most people it is their greatest asset. There will be times when it may be out of our hands what happens to our home, but with preparation and the right Florida homeowners insurance, you will be able to go through the tough times while you have peace of mind that your home will be restored to its original glory!

At Metro Insurance Agency we strive to find the best homeowners insurance protection available in the market.


Homeowners Insurance FAQs


Does my policy cover flooding?

Does my policy cover damage from a hurricane?

What is a hurricane deductible?

How is Florida Homeowner Insurance Coverage Determined?


Home Insurance Policies


There are many different options and hundreds of companies offering different types of homeowners insurance throughout the state of Florida. To choose the best policy, it is important to understand what homeowners insurance is, what it entails, and how it benefits you and your home.

Standard home insurance usually entails coverage for;

  •  Dwellings. This will pay for any damage to your home including unattached structures and buildings. This includes fences, garages or a patio cover.
  •   Personal property. Covers the contents within your home. This includes furniture, clothing, and appliances if they are damaged, destroyed, or stolen.
  •   Liability. This will protect you from any financial loss if you are in the process of being sued or found responsible for someone’s injuries or property damage.
  •  Medical Responsibilities. This will cover any medical bills if any person is injured on your property.
  •  Loss of use. Covers an additional living expense if your home is deemed uninhabitable due to a covered loss.

A standard Florida homeowner insurance policy will cover about 10-20% of the amount due on your dwelling coverage.

When you are committing to invest in a homeowners insurance policy, Metro Insurance Agency offers flexible and personalized plans fit to your home and your personal needs. If you or someone you know is interested in a quote for homeowner’s insurance, contact us or stop by our Fort Myers Insurance Agency today!


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We have professionals on staff who are
fluent in Spanish, Portuguese and Polish.

Serving the Great State of Florida

We have extensive experience working with many different types of businesses throughout the Florida area (including the areas of Punta Gorda, Estero, Fort Myers Beach, Cape Coral, Fort Myers, Lehigh Acres, Bonita Springs and Naples)