Protecting Your Home from Nature's Fiercest Forces

Check your policy documents (you can view these online by logging into our Customer Portal for specific coverage details). You can also contact your agent to clarify what types of damage are covered under your policy. Typically, your policy covers damage from perils like fire, windstorms, and theft, but may exclude others like flooding unless you have additional coverage.

We offer coverage designed for the Southeast’s unique risks, like hurricanes and flooding, supported by deep local expertise and outstanding service. Our broad product portfolio covers everything from homes to boats, golf carts, and rental properties—always with integrity at the heart of what we do.

As a Florida homeowner, you have rights outlined in the Homeowner Claims Bill of Rights, including timely communication from your insurer, the right to a detailed estimate, and a prompt resolution of claims. Click here to view the full Homeowner Claims Bill of Rights.

A deductible is the amount you pay out of pocket before your insurance kicks in. For example, with a $1,000 deductible, if you have $10,000 in damage, you pay the first $1,000, and your insurance covers the remaining $9,000.

In most coastal states, home insurance policies have two deductibles; one for hurricane damage (typically a percentage of your Coverage A amount) and one for “all other perils” (typically a flat amount). A separate hurricane deductible exists due to the high risk of extensive hurricane damage. It’s typically higher than other deductibles and only applies when a named hurricane causes damage.

If you are an American Integrity policyholder, contact us immediately if your home is uninhabitable. We can help arrange temporary housing and cover additional living expenses if your policy includes Additional Living Expenses coverage.

Home insurance covers many natural disasters like hurricanes and fires, but often excludes floods and earthquakes, which require additional coverage.