Home insurance
Protect what you've built. We help you compare home insurance options designed for Florida — including wind, water, and liability coverage.
Local insurance guidance
Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.
A typical home policy combines several coverages — dwelling, other structures, personal property, loss of use, personal liability, and medical payments. We'll walk through each one so you understand what you're paying for.
Florida policies often include a separate hurricane or named-storm deductible. Wind mitigation features — like hurricane straps, impact-rated openings, and roof shape — can earn meaningful credits. Ask about a wind mitigation inspection.
Sudden water damage (like a burst pipe) is generally covered. Flooding from outside water — including storm surge — is not. A separate flood policy is the standard solution on the Gulf Coast.
Personal liability protects you if someone is injured on your property or you cause damage to someone else's. Higher limits, plus an umbrella policy, are worth considering if you have meaningful assets.
Because we're independent, we can quote multiple carriers and show you the coverage and price differences side by side. We'll make a recommendation, but the decision is yours.
Most Florida home policies cover wind damage, but there's usually a separate hurricane deductible. Flooding from storm surge is generally NOT covered and requires a separate flood policy.
Replacement cost pays to rebuild or replace without depreciation. Actual cash value subtracts depreciation. Replacement cost is typically the stronger choice for your home and major belongings.
Yes, almost always on the Gulf Coast. Standard home policies exclude flood. We can help you compare NFIP and private flood options.
Most Florida home policies cover windstorm damage, but they usually carry a separate hurricane deductible, often a percentage of your dwelling limit. We'll explain how yours works before you choose.
It's an inspection that documents roof shape, roof-to-wall connections, and opening protection. Qualifying features can earn credits on the wind portion of your premium.
Yes. Many Florida carriers look closely at roof age and condition, and some limit coverage on older roofs. Having your roof's install date handy helps us compare options.
No. Standard home policies exclude flood. A separate flood policy is needed for rising-water damage.