Getting a Florida new construction home insurance quote should be the easiest part of your closing. With brand‑new roofs, plumbing, electrical, and HVAC systems, new builds qualify for the best rates and smoothest underwriting in the entire Florida market. If your builder provided an insurance quote, you can absolutely shop it — and in most cases, I beat the builder’s quote while keeping your coverage strong and your binder delivered fast.
I work with more than 30 homeowners insurance carriers across Florida. That means more options, more flexibility, and the opportunity to secure the best available rate for your new construction home — often far lower than the builder’s preferred agency.
You’ll receive a free, no‑obligation Florida new construction home insurance quote from me right away.
To get started, just answer the questions below or call 352‑200‑2066. I look forward to helping you secure the right coverage and keeping your closing on track.
Your information is kept private and is only used to provide your Florida new construction home insurance quote.
Request a Homeowners Insurance Quote
If you’d like help comparing your builder’s quote, understanding coverage options, or getting a fast binder for your lender, I’m here to make the process simple.
- Better rates than builder quotes — I shop multiple carriers to help you save.
- Fast binders — I work directly with your lender to keep your closing on track.
- New construction expertise — I write a large volume of new builds across Florida.
- Personal guidance — You work directly with me, not a call center.
1. Can I shop the builder’s insurance quote?
Yes. Builder quotes are often higher because they use one preferred agency. I usually beat their pricing.
2. Do I need a 4‑point inspection for a new construction home?
No. New builds do not require a 4‑point inspection.
3. How fast can I get a binder for closing?
Most binders are issued the same day once I have your basic information.
4. Why is new construction cheaper to insure?
New roofs, new systems, and wind‑rated construction reduce risk and lower premiums.
5. What does new construction insurance cover?
Dwelling, personal property, liability, loss of use, and hurricane coverage.
6. Do lenders require insurance before closing?
Yes. I send the binder directly to your lender to keep your closing on schedule.
7. Can I choose my own deductible?
Yes. You can adjust both the standard and hurricane deductibles.
8. What discounts apply to new construction?
Wind mitigation credits, new roof credits, and modern building code discounts.
9. Do I need flood insurance?
Required in high‑risk FEMA zones with a mortgage. Recommended everywhere in Florida.
10. What affects the cost of new construction insurance?
Location, wind zone, square footage, construction type, and replacement cost.
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Get a Florida Home Insurance Quote
No matter where you live in Florida, I can help you compare rates from multiple carriers and find the best homeowners insurance options for your property.
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I’m here to help you find the right coverage at the right price — with no pressure and no confusion.