HOME INSURANCE

Protect Your Home With Confidence

Fast Quotes and Reliable Coverage

Affordable, reliable coverage for your house, your belongings, and the people you love, tailored for Florida homeowners.

What You Get

Couple,Looking,At,Their,New,House,Under,Construction,,Planning,Future

Comprehensive Coverage

Includes Essential, plus:

Replacement cost on dwelling and belongings
Water backup and sump overflow options
Ordinance or law coverage to bring updates after a claim
Scheduled coverage for jewelry and collectibles
Higher limits and broader protection for added peace of mind

Essential Coverage

Dwelling coverage for your home’s structure
Personal property coverage for furniture, electronics, and valuables
Personal liability and guest medical protection
Loss of use, additional living expenses if your home is uninhabitable
Wind and hurricane deductible options that match your budget

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Ready To Get a Quote?

Why Florida Choose Us?

Florida based team that explains wind and hurricane deductibles clearly
We compare multiple carriers to find the best rate and coverage fit
Guidance on wind mitigation credits and roof discounts
Same day bind and proof of insurance for closings and renewals
Claims support from a real local team, bilingual friendly service

Talk to a licensed agent.

Call (813) 657-0100

Frequently Asked Questions

What does a standard home policy cover?

Typically the structure, personal belongings, liability, and additional living expenses. We customize limits to match your needs.

Is hurricane damage covered?

Yes, most policies include wind and hurricane coverage in Florida, with a separate hurricane deductible. We will explain your options clearly.

Is flood insurance included?

Flood is not included in a standard home policy. We can quote a separate flood policy so your home is protected from rising water.

How much coverage do I need?

We estimate reconstruction cost, not market price, then set dwelling and personal property limits that fit your situation.

Do roof age and materials affect my rate?

Yes. Roof age, shape, and materials can impact eligibility and price. We will review your home features and find the best fit.

What discounts are available?

Bundle home and auto, install monitored security, complete wind mitigation upgrades, maintain a good claims history, and more.

What Affects Your Home Insurance Rate in Florida

Location and distance to coast, roof age and material, year built and updates, claim history, chosen deductibles and limits, protective devices, wind mitigation features.

Condo, Renters, and Mobile Home Options

Condo HO-6 policies for interior, improvements, and personal property. Renters coverage for belongings and liability. Options for mobile and manufactured homes across Florida.

Flood Insurance in Florida

Standard home policies do not cover flood. Add a National Flood Insurance Program policy or private flood for peace of mind. We quote both and align deductibles with your home policy.

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Call (813) 657-0100

Customers Feedback

      EXCELLENT  
   Based on 25 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Luis Vizcarrondo Irizarry 
 
 
 
 Trustindex verifies that the original source of the review is Google. This is the second time I contacted Romero Insurance for home insurance purposes. I would like to mention the professionalism and effectiveness provided by Rowena Martin in addition to a great customer service and prompt responses during all the process. I will recommend Romero Insurance for family members and friends. Keep doing a great job!!!
  
 
      Posted on Google  
   
   Mark Mahoney 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Lorna Sanchez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service from one agent to another! Reached out to Rose regarding homeowners insurance for a mobile home that we were unable to write. She was very pleasant and quick to reply!
Highly recommend!
  
 
      Posted on Google  
   
   Alice Fagan 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Robert D. Hansen 
 
 
 
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      Posted on Google  
   
   Kate R. Vierra 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Quentin D. Humphrey 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Ronald M. Stearns 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   James P. O'Connor 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Daniel Adam 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rose from Romero Insurance & Financial Services was fantastic! She was able to get us better coverage for our home at a better value. Very professional and responsive. We were very happy with our service.