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

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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

Barbara C.

“I needed help clarifying with my mortgage bank that the property had insurance. Although it was a billing confusion, Rose was very lovely and professional and helped me solve the situation immediately with the bank. Wonderful and quick follow up. Thank you!”

Michelle H.

“I was very surprised at how easy it was to get a quote on my car insurance. A five minute phone call saved me almost $200! The staff is very helpful and I really enjoyed talking to a real person!”

Steve C.

“The Romero team are experts at what they do and they do it with integrity and passion! I highly recommend them!”

Lorna S.

“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!”

Yohamis B.

“I’ve been a client of Romero Insurance for quite a while now. The work great with you and always find the best quotes available. Customer service is top notch and always very responsive when you need it. Thank you Rose for so many years of insurance!!!”

Noemi A.

“I contacted Romero Insurance & Financial Services as I needed insurance for my recently purchased condo. Rose responded and took care of everything for me. She was very professional. She provided an outstanding customer service. Thank you for all your help! You are the best!”

J SAFIE

“Very friendly helpful representatives who will go out of their way to assist you with all your needs.”

James G.

“Everything was super, My agent Rose Colon did everything very quick and to my special needs on my insurance. I would refer all my friends, and even a few non friends to her to get great service”

Jonathan L.

“Very quick to respond with polite and professional standards!!”

Lane H.

“The entire team at Romero Insurance & Financial Services lives up to their motto impeccably. Integrity truly is their bottom line and I have been really grateful to have had the opportunity to meet and work with them. You can trust that you are in awesome hands!”

Daniel A.

“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.”