Florida
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Comprehensive coverage for your home and property.
Home insurance options in Florida
From brand-new builds to high-value homes, we’re here to help protect your home from Florida’s unique challenges—like hurricanes, floods, and more with a variety of policy options.
Insure your newly constructed home (built within the last 5 years) with coverage designed specifically for modern builds, offering protection for both structural damage and personal property.
Buying a new home can be both exciting and overwhelming. In between picking out your paint color, appliances and tile pattern, it’s important to obtain the right insurance coverage.
New Construction Coverage
For homes valued between $750,000 and $10 million, this policy covers your property, as well as valuable items like jewelry and art, giving you full protection and peace of mind.
With customizable add-ons like cyber coverage and identity theft protection, you can enhance your policy to suit your specific needs.
High Valued Homes
Whether it's your primary or secondary residence, our condo insurance provides coverage for your unit's interior, personal belongings, and liability.
A policy through American Integrity safeguards your Florida condo from storms, accidents, and theft, with customizable options like flood coverage and loss of use for added protection.
Condo Insurance
ValueGuard Property Insurance™ offers basic coverage and is designed to offer Floridians essential protection for their homes at a more affordable price point.
Recognizing the unique needs of Florida homeowners, ValueGuard allows homeowners and condo owners an opportunity to continue with much needed insurance coverage for essential risks.
ValueGuard
Our manufactured home insurance provides coverage for damage caused by events like storms, fire, and theft. It also includes protection for personal belongings inside your home and liability coverage in case of accidents on your property.
This specialized coverage addresses the unique needs of manufactured homes, protecting both your residence and belongings with options for additional features like attached structures and mechanical breakdowns.
Manufactured Homes
No matter where you call home, your belongings deserve protection. With our renters insurance, you’re covered against life’s unexpected events like theft, fire, and storm damage, giving you peace of mind in your rental.
Our renters insurance safeguards your belongings against risks, includes liability coverage, and offers optional protection for valuables like electronics or jewelry.
Renters Insurance
Flood Insurance is not included in standard homeowners policies and covers your home and belongings against water damage (such as storm surge) from hurricanes, tropical storms, and heavy rains.
Florida's flood risks make this coverage critical, and American Integrity has made it affordable. Our flood endorsement rates are typically 15% lower than federal flood insurance programs through the NFIP.
Flood CoverageFrequently Asked Questions
We get it, the details of insurance policies are complex. These answers to some of our most commonly asked questions should help make it a little easier.
See All FAQs
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.
Yes, you can switch to American Integrity at any time! Just make sure to secure your new policy before canceling your old one to avoid a lapse in coverage.
Check out all our available Discounts and see if you qualify. You can also lower your premium by choosing a higher deductible and ensuring your coverage matches your home’s value. Talk to your agent to make sure that your policy matches the needs of your home – and your wallet.
Click here to use our Agent Locator Tool! All we need is your zip code and we’ll give you a list of nearby agents to choose from.
Yes, we offer bundle options for additional coverage, including our Silver, Gold, and Diamond Packages. You can also bundle your home, boat, and/or golf cart coverage with American Integrity to earn our Multi-Policy Discount! Please note these options are currently only available in Florida. Talk to your agent to learn more.
Learn more about homeowners and residential insurance
Browse educational articles about insurance coverage for your home and other types of property.
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Big Discounts
Saving on your insurance is easier than ever with our wide range of discounts. At American Integrity, we offer ways to lower your premiums while keeping your coverage robust. Whether you bundle policies or add safety features to your home, we help make protecting your property more affordable.
Discounts