Do I need home insurance before the Certificate of Occupancy (CO)?

Yes. Most lenders require proof of insurance before closing, even on new construction homes. Coverage can be bound once inspections and underwriting requirements are complete.

Does the builder’s insurance cover me during construction?

No. The builder’s wrap policy protects the builder, not the buyer. Once the home is ready for closing, the buyer must secure their own home insurance policy.

Do new construction homes need wind mitigation inspections?

Most new construction homes automatically qualify for wind mitigation credits because they are built to modern Florida building codes. A wind mitigation report can still help maximize discounts.

Is insurance cheaper for new construction homes in Florida?

Yes. Newer homes typically cost less to insure because they meet updated building codes, have newer roofs, and include modern wind mitigation features.

Can I insure a home that is still under construction?

Yes. Buyers can secure coverage once the home is near completion and underwriting requirements are met. Full occupancy coverage begins at closing or CO issuance.

Florida New Construction Home Insurance

Florida New Construction Home Insurance Quote

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.

Licensed Florida Insurance Agent

Serving Florida Since 2008

Trusted by Realtors & Loan Officers

Call: 352‑200‑2066

Get Florida Home Insurance Quotes

First Name:

Last Name:

Phone Number:

Email Address:

Date of Birth:

Street Address You Want Quoted:

City:

State:

ZIP Code:

Number of Floors:

Approx. Heated Square Footage: (Living Area)

Construction Type:

Roof Year:

What Type of Policy Do You Need?

Number of home or flood claims/losses in 5 years:

Do you have current insurance on home?

Dwelling Coverage: (What It Costs to Rebuild Your Home)

Liability Limit:

Hurricane Deductible: (% of Dwelling Limit)

All Other Perils Deductible:

Additional Notes:

Your information stays private and only used for your quote.

Need Help With Your New Construction 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 for your next real estate closing.

Call 352‑200‑2066

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✔ Licensed Florida Agent

✔ Secure Online Form

✔ Multi‑Carrier Shopping

Why Choose Me For Your Florida New Construction Home Insurance?

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.

Florida County Insurance Differences

Insurance pricing and carrier availability vary by county. These guides help you understand local underwriting rules before closing.

Florida New Construction Insurance — Statewide Guides

Florida New Construction Hub — All 7 Regions

New Builds: Ground-Up Dwelling Under / During Construction Policies

Florida New Construction Home Insurance FAQ

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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Related Florida Insurance Pages

Florida insurance content authored by Robert Colucci — underwriting insights and local market analysis for every Florida county & town.

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.

Call Robert – 352‑200‑2066

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