Deducible de Huracán en Florida: Cómo Funciona y Cuánto Vas a Pagar (2026)
Si tienes casa en Florida, el deducible de huracán es probablemente la parte más importante de tu póliza que nadie te explicó…
Leer artículo →📍 YR Seguros · YR Insurance Services · Florida
Home insurance in Florida that it does cover you
YR Insurance Services Florida — Tu Agencia de Seguro de Casa en Español
We compare 12+ insurance companies in Florida. HO-3 homeownership, HO-6 condominium, dwelling fire, flood, and windstorm insurance — because you live in Florida, and that matters.
- HO-3 + HO-6 + Flood
- Separate windstorm
- No prior exam
- +1,690 5-star Google reviews
★★★★★4.9 / 5.0 · 1,690 Google reviews
Get a quote for your house
Free · No obligation · Hurricane coverage
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Coverage for your home
What home insurance do you need?
🏠
HO-3 (Homeowners)
The most common type of home insurance in Florida. It covers the structure, contents, liability, and medical expenses. Most mortgages require this insurance.
Most popular🏢
HO-6 (Condominium)
For condo owners. Covers "inside the walls": your unit, improvements, contents, and liability. The building is covered by the HOA.
Condo specific🌊
Flood Insurance (NFIP + private)
Your HO-3 policy does NOT cover flooding. We can get you NFIP (FEMA) or private flood insurance. Essential in Florida, Miami Lakes, Doral, and Zone A/AE areas.
Required FL🌀
Windstorm / Hurricane
In Florida, many policies exclude hurricane-force winds. We can get you separate wind coverage with Citizens, FAIR, or admitted carriers.
FL Only🔥
Dwelling Fire (DP-1, DP-3)
For a rental property, investment property, or second home. More economical than HO-3, but with specific coverage for vacant or rented properties.
For rent🏡
Renter's HO-4
Are you a tenant? Protect your belongings (electronics, furniture, clothing) and liability insurance as required by most landlords.
"After the hurricane, my insurance company responded to me in 3 days."
— YR Florida Customer · After Hurricane Ian · ★★★★★ Google review
Why Florida homeowners choose YR
12+
Top companies in Florida that we compare
5★
+1,690 verified Google reviews
24h
to have your quote on hand
1,690
5★ Google reviews
Frequently Asked Questions
Home insurance in Florida — the most frequently asked question
How much does home insurance cost in Florida?
A standard HO-3 mortgage in Florida for an average home varies greatly depending on the age of the house, distance to the coast, zip code, and roof height. If you bundle a home with a car, the average price drops by 10–15%.
Do I need Flood Insurance if I'm not in a flood zone?
In Florida, most properties have some risk of floodingEven outside of Zone A/AE, NFIP outside of high-risk zones depends on the flood zone, property value, and deductible. It's the difference between losing a lot of money or being left homeless after a storm.
Does my HO-3 policy cover hurricane damage?
It depends. Many FL policies exclude wind damage And you need separate windstorm coverage. And NO HO-3 policy covers flood. We'll explain what your current policy covers and what it's missing.
Do you work with Citizens Insurance?
Yes. Citizens is the "carrier of last resort" in Florida for windstorm insurance. If your home is near the coast or your insurance was rejected by other carriers, Citizens will cover you. Other carriers include FedNat, Universal, American Integrity, and Heritage.
What if my house has an old roof?
Many companies require a policy ceiling of less than 15–20 years. If your policy is older, we can find you a company that will still insure you (with or without an "actual cash value ceiling") or explain what you need to upgrade.
Can I combine it with a car?
Yes — and you can save 10-20% thanks to multi-policy discounts. Progressive, GEICO, Kemper Auto, and National General offer the best multi-policy discounts.
Ready to protect your home in Florida?
Free quote · No obligation · Support in Spanish
OFFICIAL AGENCY
YR Insurance Services Florida
YR Insurance Services is your bilingual agency specializing in home insurance in Florida Since 2012, we compare policies from Citizens, Universal, Tower Hill, and Heritage to find the best option for you. Florida home insurance more economical — HO-3, HO-6 condo, HO-4 renters, Flood and Windstorm coverages.
Our agency YR Insurance Services Florida She has 14 years of experience helping Hispanic families understand insurance policies. home insurance in Florida No fine print. Get a quote for your Florida home insurance today and receive a response within 24 hours.
14 years in Florida+1,690 reviews 5.0Bilingual ES/EN
Home insurance in Florida: HO-3, flood, windstorm, and how to choose wisely
EN YR Insurance Services We'll get you the home insurance in Florida Correct: HO-3 for house, HO-6 for condominium, flood, and windstorm. As an independent agency, we compare over 100 Spanish-speaking insurance companies and help you choose a reliable insurer in Hialeah, Miami, and throughout Florida.
Do I need separate flood insurance?
In Florida, yes, it's often the case, and starting in 2026, Citizens will require it for certain homes. We explain it in our [link to relevant article/section/etc.]. guide to mandatory flood insurance in Florida.
How do I know if a new insurance company is trustworthy?
Checking their rating (AM Best, Demotech). See how to choose wisely in our Guide to new insurance companies in Florida.
Has the price of home insurance gone down in Florida?
Citizens lowered its rates in 2026, and new companies entered the market. It's a good time to compare—read about the Citizens' decline in 2026.
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How to Claim Insurance After a Hurricane in Florida: Steps and Timeframes
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How to Prepare Your Home for the 2026 Hurricane Season in Florida
La temporada de huracanes en Florida va del 1 de junio al 30 de noviembre, y cada año tomar precauciones a tiempo…
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Home Insurance in Florida 2026: What It Covers and How Much It Costs
Comprar un seguro de casa en Florida dejó de ser un trámite simple. Entre los huracanes, las primas que suben cada año…
Leer artículo →Keep learning about Home Insurance in Florida
If this content helped you, check out our guides and updated news about Citizens Insurance, floods, hurricanes, and everything you need to protect your home in Florida.
Casa · YR Insurance Services
Home, condominium, renters and flood insurance
We compare over 100 insurance companies in Florida and find you the best deal. No tricks, no fine print.
House (HO-3)
Full coverage for owners: structure, contents and civil liability.
Condominium (HO-6)
Improvements, content and responsibility for condominium owners.
Tenants (HO-4)
Content and responsibility are solely for tenants in rented apartments or houses.
Flood
NFIP-specific or private coverage (Wright, Selective, Assurant). In FL it is almost mandatory.
Golf cart
Golf cart protection in gated communities and courses.
We work with the best insurance companies
Florida PeninsulaEdison InsuranceUniversal PropertyPeople's TrustSlideAmerican IntegritySecurity FirstOvation HomeOrchid InsuranceWright FloodSelective FloodAssurant Flood