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Florida Homeowners Insurance

Your home is your castle, no matter the square footage or the architectural style. Because it’s not just a house, your home should be protected against life’s uncertainties.

The Brady Insurance Group offers all there is in homeowners insurance policies under one roof — ours. Because we are an independent insurance agency, we offer the most comprehensive home insurance coverage from top-rated companies. Our experienced, knowledgeable staff is dedicated to tailoring the right coverage for every unique customer need and risk. We combine full service with affordable rates to bring you peace of mind coverage. If you are a renter or condo owner our dedicated staff know your special needs and the insurance policies that cover them. Read about our Renter's Insurance.

Why do I need Homeowners Insurance?

Your home is probably the most significant investment you will make, both emotionally and economically. Your home is where your family eats, plays, sleep, grows, and feels safe. It’s where you gather for the holidays and where you entertain friends. Purchasing your home probably took years of savings, and you continue to invested time and money to beautify it.

  • Homeowners Insurance protects your family and your investment.
  • Home mortgage lenders generally require you to buy homeowners insurance that covers the amount of the mortgage. When you choose policy coverage limits you should consider the cost of rebuilding.
  • Additionally, homeowners insurance is needed to protect your investment even if the mortgage is paid off.
  • Home insurance is protection that brings peace of mind.

What does Homeowners Insurance protect?

  • Your home and any attached structures.
  • Your personal Property – furniture, clothing, appliances, jewelry, and more.
  • Detached structures – tool sheds, fences, and more.
  • Your Peace of Mind

What home insurance coverage do I need?

Our homeowner specialists will tailor insurance coverage specific to each owner's needs and risks. With access to our top rated companies, we quickly compare rates to find the best fit at a fair price. Our comprehensive insurance plan will cover financial losses due to wind damage, theft, fire, lightening and other events.

Your primary homeowners insurance should cover the following:

  • Property Insurance Coverage - this pays for repairs to your home and garage. Coverage to unattached buildings may or may not be included.
  • Personal Property Insurance - this covers the loss of belongings in your home such as furniture, electronics, and jewelry due to damage or theft. This insurance includes personal property stolen from your car as well. Depending on the value, some jewelry or collectibles may require a Personal Umbrella Insurance Policy.
  • Liability Insurance - this provides financial coverage when someone is injured on your property, or their property is damaged.
  • Medical Expenses - this medical coverage is for someone, other than a resident, who is injured on your property.
  • Living Expenses - if your home is uninhabitable due to a hurricane or fire, this will cover the expense of outside temporary housing, restaurant meals and other living expenses incurred while your home is being rebuilt.

Other optional homeowner insurance coverages you might consider are:

  • Replacement Cost Coverage
  • Identity Theft Protection
  • Scheduled Personal Property
  • Personal Property Replacement Cost
  • Animal Liability Coverage
  • Hurricane Screened Enclosure Coverage
  • Sinkhole Optional Coverage
  • Back-up of Sewers and Drains
  • Optional Flood Coverage

How are homeowner insurance rates determined?
Homeowner policy rates will differ based on:

  • Where you live
  • The construction of your home
  • The value of your home
  • The valuables in your home
  • Which coverages you choose.

Are there homeowner insurance discounts available?

Installing certain safety devices will do more than protect your loved ones and your property. They may also qualify for homeowners insurance discounts.
Discounts may be available for the following:

  • Deadbolts
  • Burglar alarm system
  • Fire extinguishers
  • Smoke detectors
  • Sprinkler system
  • Fire alarm

What about insurance coverage for floods?

Most property insurance doesn't cover flooding. However, the government run National Flood Insurance Program (NFIP) issues very reasonably priced flood insurance policies. This is separate policy provides financial protection to homeowners, condo owners, renters, landlords, mobile home owners and businesses from flood damage.

Our dedicated home insurance team can make all the difference. They will help you determine the amount of coverage and options applicable to your individual situation. Call 866.764.1944 to start the process or submit a quick quote request. We shop rates so you don't have to.


Blend More Coverages for More Savings

Save money and time by bundling insurance coverages with Brady Insurance Group.
When you package home and car insurance, for example, you'll instantly qualify for our Multi-Policy discount.

Convenient policy Administration
By handling all of your coverages with us, you can make life simpler — and save while you are at it.
No more scrambling to locate significant information, pay bills, or submit a claim.

Call us now at 866.764.1944 or 954.764.1944 to get a free bundle insurance quotation.

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We shop rates so you don’t have to!

Brady Insurance Group, LLC. represents over 50 A-rated insurance carriers to provide insurance in Fort Lauderdale, Lauderdale-By-The-Sea, Pompano Beach, Oakland Park, Boca Raton, Deerfield Beach, Hollywood, Coral Springs, Plantation, Lighthouse Point, Parkland and all of Florida.