Florida Homeowners Insurance Quote For New Construction | What to Know

Congratulations! The Sunshine State is a beautiful place to live, and your new home project will bring years of comfort and enjoyment. While building a new home is exciting, it can also feel overwhelming – especially when it comes to understanding what insurance coverage you need.

The best place to start is with the right protection. An American Integrity Insurance agent can provide a Florida homeowners insurance quote for new construction and help you understand what to expect. 

Does Florida Homeowners Insurance Cover New Construction?

Building a new home in Florida differs from buying an existing one. A standard homeowners policy typically doesn’t cover the construction phase. Instead, you’ll want to review your builder’s contract and ensure adequate insurance coverage during construction. Your agent can help confirm what protection applies before your home is complete.

Insuring Your Newly Constructed Home

Seeing your completed home for the first time is an unforgettable milestone – and protecting it should be just as intentional as building it. Newly built homes are generally safer, more energy-efficient, and less prone to damage or repair claims, especially roof-related ones.

Homes built with fire-resistant or durable materials, such as metal or tile roofs, may qualify for additional discounts. When you call for your Florida homeowners insurance quote for new construction, be sure to ask your American Integrity agent about all the available discounts. 

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.