Home insurance is designed to help protect your house, personal property, and liability exposure as a homeowner. Infante Insurance Group works with a network of carriers to help homeowners across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore coverage options that fit their property and budget — in English or Spanish.
Coverage Options
A typical home policy is built from several components. Dwelling coverage can help repair or rebuild the structure of your home after a covered event. Personal property coverage can help replace belongings damaged, destroyed, or stolen. Liability coverage can help address costs if someone is injured on your property or you’re responsible for damage to someone else’s. Additional living expense coverage can help with temporary housing costs if your home becomes uninhabitable after a covered loss. Windstorm, flood, and hurricane-related coverage often require separate consideration in Florida. Which combination makes sense depends on your home, its location, and your circumstances.
Who May Need This
This coverage is worth exploring if you own a house or condo in Florida, are closing on a new home purchase and need proof of coverage for your mortgage lender, or want to review how your current policy addresses windstorm and flood risk. It’s also relevant if you’re updating coverage after renovations or major purchases.
Where You're Covered
Homeowners in both states face real weather exposure, though the specifics differ. Florida’s hurricane season and coastal windstorm risk touch Miami-Dade, Tampa, Orlando, and West Palm Beach alike, while Gulf Coast Texas — including the Houston area — shares similar hurricane exposure, and inland Texas metros like Dallas see more hail and severe thunderstorm activity. Standard home policies generally exclude flood damage, which is addressed through a separate flood policy — worth discussing given flood zones in either state. Wind or hail mitigation features on your home may also be worth reviewing with a licensed agent.
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This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
Standard home policies generally exclude flood damage. Flood coverage is typically addressed through a separate flood insurance policy, which is worth discussing given flood zones in both Florida and Texas.
Often Coordinated Together