Home Insurance
Protect what matters most.
Dwelling, belongings, liability and additional living expenses, with the hurricane and high-value add-ons a Florida home actually needs.
Chapter 01
Dwelling coverage is a rebuild figure, not a market value
The dwelling number on a home policy has one job: rebuild the house. That is a construction cost, and it moves with materials and labour rather than with what the property would sell for. A house can be worth less than it costs to rebuild, and frequently is.
In Florida the roof drives the conversation as much as the walls do. Its age and material affect both what a carrier will offer and what the policy will pay, which is why we ask about it early rather than at renewal.
A Florida home with a barrel-tile roof, screened lanai and palms
The three things a home policy does besides the building
Personal belongings covers the contents. Liability answers when someone is injured on your property or you damage someone else's. Additional living expenses is the one most people have never read: it covers the cost of living somewhere else while the house is uninhabitable.
After a storm, additional living expenses is often the coverage a household leans on first, and it is worth knowing your limit before you need it.
Chapter 03
What a home policy never covers, and what we add
Flood is excluded from every standard home policy without exception. On this coast that is the single most expensive thing a homeowner can misunderstand, and it is why we quote flood alongside the home policy rather than after it.
Hurricane deductibles work differently from the standard deductible and are worth understanding before a named storm is in the Gulf. High-value item coverage handles the jewelry, the collections and the equipment that sit above the policy's internal sub-limits.
AutoLife places this line with A-rated carriers from the office at 3691 Webber Street, Sarasota. Call 941-210-4499.
Other lines we place
Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.