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Home Insurance in Florida

Coverage Where Life Happens Most

No need to shop anymore.

Skip the endless shopping. Our Insurance Guardian Consultants do the work for you, comparing top carriers, tailoring coverage, and making sure every detail is right. With Tueri by your side, you can drive with confidence knowing your protection is secure.

The people you can trust with your home insurance.

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Personalized guidance

Insurance should never feel one-size-fits-all. At Tueri, we take the time to understand your lifestyle, home, and long-term goals before recommending coverage. Whether you own a waterfront property, a family home, or a seasonal vacation house, we design protection that reflects how you truly live, not just what a computer suggests.

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Access to multiple carriers

As an independent agency, we partner with a wide range of respected carriers, giving us the freedom to compare rates, coverage, and benefits on your behalf. This means you’ll always receive options designed to provide the best balance of protection, service, and value without having to shop around yourself.

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Long-term partnership

Life changes, and so should your home insurance. From renovating your kitchen to adding a pool, from welcoming a new family member to purchasing a second property, your coverage needs to grow with you. With Tueri, you gain more than just a policy, you gain a partner committed to safeguarding your future at every stage of the journey.

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Protecting More Than Just Your Home

Your home is more than walls and a roof, it’s where life happens. It’s where you build memories, raise your family, and keep the things you value most. But with Florida's risks like storms, fire, theft, and unexpected damage, the place you count on most can also be vulnerable. The right home insurance turns uncertainty into peace of mind.

At Tueri Insurance Agency, we don’t just sell policies, we act as your advisor and advocate. We're based in Florida and specialize on policies like yours. Our mission is to help you understand your coverage, identify gaps, and safeguard what matters most, so you can focus on living life at home with confidence.

Ready to protect your Florida home?

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Need to get expert advice from our insurance consultant.

Home insurance doesn’t have to be complicated. We make sure you understand every option available.

Get your home insurance quote started

Don’t settle for cookie-cutter insurance. Get expert advice, competitive options, and the peace of mind that comes with having a trusted advisor on your side.

Have more to insure?

Life happens in all kinds of homes, and each comes with its own risks. From your first apartment to your family condo or an investment rental property, the right coverage helps ensure every space is protected. At Tueri, we believe insurance is more than a policy, it’s peace of mind, guided by an experienced advisor who understands your unique needs.

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Homeowners insurance FAQs

How much is homeowners insurance in Florida?

Premiums depend on your home's age, construction, location, and coverage choices — Florida averages run higher than the national average due to hurricane risk. Most DeLand-area homeowners pay somewhere in the low-to-mid four figures per year for a typical policy. The fastest way to know your number is a free quote: we'll shop multiple carriers and show you real options.

Does homeowners insurance cover hurricanes in Florida?

Standard policies cover hurricane wind damage, but with a separate hurricane deductible — often 2-10% of your dwelling coverage, not the flat dollar deductible on other claims. Flood from storm surge is NOT covered by homeowners insurance; that requires separate flood insurance. We make sure you understand both before you buy.

What is a hurricane deductible?

It's the amount you pay out of pocket for hurricane wind damage before insurance kicks in — calculated as a percentage of your home's insured value (commonly 2%, 5%, or 10% in Florida), triggered only when a named storm causes the damage. A $300,000 home with a 2% hurricane deductible means $6,000 out of pocket on a hurricane claim.

How can I lower my homeowners insurance in Florida?

Strengthen your home (roof straps, impact windows, updated roof) and document it with a wind mitigation inspection — that's the single biggest saver. Then raise deductibles, bundle with auto, maintain good credit, and shop annually. As an independent agency we compare carriers every year so you don't overpay.

Carriers keep leaving Florida — can I still get good coverage?

Yes, but the market takes expertise to navigate. Many national carriers have pulled back from Florida, which leaves homeowners with a mix of Florida-focused carriers, surplus-lines options, and Citizens — the state's insurer of last resort. As an independent agency, we shop the carriers that are actually writing policies in Florida right now, and we'll tell you honestly when staying put is the smarter move.