Moving to Florida? We Handle Your Insurance.

Florida-domiciled · operating in all 50 states · Family-owned independent agency in Boca Raton · Call (561) 220-0402

Why Your Old Policy Doesn’t Travel

Florida is its own insurance market. Your out-of-state carrier almost certainly doesn’t write here, and even if it does, the rating, deductibles, and required endorsements are completely different. Hurricane and wind-only deductibles, sinkhole exclusions, 4-point inspections, wind mitigation credits, NFIP vs. private flood, and Citizens take-out rules all matter from day one. Moving without rebuilding the program means coverage gaps the day you close on your home or open your office.

For Individuals & Families Moving to Florida

If you’re moving to Florida for the tax benefits, the climate, or to be closer to family, here’s the insurance stack we typically rebuild for you before your closing date:

• Florida homeowners insurance — including wind and hurricane coverage, sinkhole considerations, and discounts you earn from a current wind mitigation inspection.
• High-value home coverage through Chubb, PURE, or Cincinnati for properties over roughly $1.5M, especially waterfront, historic, or coastal homes.
• Florida auto insurance rewritten for FL minimums, PIP, and uninsured motorist — different from every northern state.
• Flood insurance — NFIP and private market quotes side by side. Most lenders require it in Florida flood zones; private policies often beat NFIP on price and limits.
• Personal umbrella ($1M–$10M+) layered above auto and home, sized to your assets.
• Watercraft, jewelry, and fine art riders if you’re moving toys or collections.

For Companies Relocating to Florida

Florida has become a magnet for HQ relocations and new business formations. Whether you’re moving an established operation or registering a brand-new FL LLC, you need a complete commercial program in place before you sign a lease, hire your first FL employee, or take a single customer payment.

• Business Owners Policy (BOP) — property + general liability + business interruption combined, sized to your FL footprint.
• General Liability as a standalone for service businesses, contractors, and professional firms.
• Commercial Property — wind, named storm, and flood endorsements tuned to your FL location.
• Workers’ Compensation — required in Florida at 4+ employees (1+ in construction); we rewrite your mod and class codes for FL.
• Commercial Auto for FL-registered fleet vehicles.
• Cyber Liability and Professional Liability (E&O) — portable, but the underwriting often improves once you relocate.
• Directors & Officers and EPLI — re-rated based on FL employment law and venue.
• Key executive personal lines bundled with the business program — homeowners, auto, umbrella for owners and senior leaders moving with the company.

Our Relocation Playbook

1. Inventory call. Bill reviews every policy on your current program — personal and business — and flags what won’t carry over.
2. FL property review. We coordinate wind mitigation inspection, 4-point inspection (for homes 30+ years old), and elevation certificate where flood applies.
3. Multi-carrier quotes. We shop Citizens, Florida Peninsula, Heritage, Universal, ASI Progressive, Chubb, PURE, Cincinnati, Travelers, Hartford, Liberty Mutual, and more depending on risk class.
4. Coordinated bind dates. Auto, home, flood, umbrella, and commercial lines are bound to align with your closing date and FL move-in.
5. Year-one check-in. Once you have a hurricane season and a renewal under your belt, we requote to capture FL-resident discounts you didn’t qualify for on day one.