In Florida, owning a home means enjoying beautiful weather and coastal living—but it also comes with exposure to hurricanes, flooding, and storm damage. That’s why Home Insurance is not a luxury but a necessity. At Bloomingdale Insurance Services, we deliver Florida Home Insurance solutions that go beyond coverage—they provide confidence.
We specialize in Homeowner Insurance that protects your home, belongings, and financial security. Whether you’re purchasing your first house or have owned your property for years, our customizable coverage plans ensure you’re never caught off guard.
Why Choose Home Insurance from Bloomingdale Insurance Services?
When it comes to home insurance Florida residents can count on, choosing a provider that understands the local risks is essential. Bloomingdale Insurance Services has built a reputation in Valrico and across Florida for crafting insurance policies that cover the real risks Florida homeowners face.
Here’s what you get when you partner with us:
| Feature | Benefit |
| Florida-Based Expertise | We know what Florida homes face—from salt air to storm surge |
| Custom Coverage | From condos to large homes, coverage fits your lifestyle |
| Budget-Friendly Rates | Get the best home insurance Florida coverage at fair prices |
| Claims Assistance | Our team responds quickly with guidance, care, and clarity |
| Flexible Add-Ons | Extra coverage options for your jewelry, electronics, and more |
What’s Covered by Our Homeowner Insurance Plans?
Structural & Dwelling Coverage
If your home suffers damage from a covered event—like wind, lightning, or fire—we help you rebuild.
Personal Property Coverage
Furniture, appliances, tech, and valuables are protected, even if damaged or stolen while traveling.
Legal Liability Protection
Accidents happen. If someone is injured on your property, we cover medical and legal expenses.
Temporary Living Expenses
Need to relocate temporarily due to repairs? We’ll cover hotel stays, meals, and transportation.
Florida-Specific Riders
Get windstorm endorsements, hurricane deductibles, and flood insurance recommendations based on your area.
Key Benefits of Florida Home Insurance
- Storm Protection: Essential during hurricane season.
- Flood Endorsements: Add critical protection not found in standard plans.
- Peace of Mind: Know your home is protected year-round.
- Financial Security: Avoid massive out-of-pocket expenses for damages or lawsuits.
- Custom Options: We help you build the right plan—not a cookie-cutter policy.
How to Get the Most Out of Your Policy
Understanding your home insurance Florida plan is key to avoiding claim issues. Here’s what you should do:
- Review Your Coverage Annually – Ensure it reflects property value and belongings.
- Understand Your Deductibles – Especially hurricane and flood deductibles.
- Bundle When Possible – Save money by bundling with auto or umbrella coverage.
- Keep Records – Maintain inventory and receipts for valuable items.
- Stay Updated – If you remodel or add a new roof, let us know—it can lower your premium.
Table: Florida Home Insurance Overview
| Category | Description | Included |
| Dwelling Coverage | Protects physical structure | ✔️ |
| Contents Insurance | Covers your belongings | ✔️ |
| Personal Liability | Covers legal and medical claims | ✔️ |
| Loss of Use | Pays for temporary housing | ✔️ |
| Flood Insurance | Separate policy or rider | Optional |
| Windstorm Endorsement | Essential in hurricane zones | Optional |
| Scheduled Property | Adds coverage for valuables | Optional |
5 Real Customer Reviews
- Sarah W. – Apollo Beach, FL
“When I searched for the best home insurance Florida, Bloomingdale Insurance Services was recommended by my realtor. Their process was smooth, and now I sleep easier.”
- Jim B. – Valrico, FL
“Their homeowner insurance plan helped us get back on our feet after our roof was damaged in a storm. Friendly and fast!”
- Linda G. – Clearwater, FL
“They explained every detail and made it easy. I love their personalized service.”
- Mark F. – Lakeland, FL
“Affordable and professional. I added extra coverage for my home office gear and it was easy.”
- Tina M. – Orlando, FL
“I got multiple quotes but Bloomingdale gave me the best balance of price and protection. I recommend them for anyone needing home insurance in Florida.”
FAQs About Home Insurance in Florida
1. What’s the difference between standard Home Insurance and Florida Home Insurance?
Florida Home Insurance often includes wind and hurricane-specific clauses not needed in other states. These additions help Floridians better protect their homes from extreme weather.
2. Does homeowner insurance cover hurricanes?
Yes, our homeowner insurance policies include windstorm and hurricane coverage based on your home’s location. Some policies may have hurricane deductibles.
3. What is the cost of home insurance in Florida?
Costs vary based on your home’s value, age, and location. We offer the best home insurance Florida options that balance cost and coverage.
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4. What if I have high-value items in my home?
We offer scheduled personal property endorsements to cover luxury watches, artwork, electronics, and jewelry.
5. How do I get a Florida Home Insurance quote?
Simply contact our team, and we’ll provide a personalized quote based on your property, coverage needs, and budget.
Final Thoughts
Homeownership in Florida comes with natural beauty—and natural risks. That’s why smart Floridians turn to Bloomingdale Insurance Services for dependable, affordable, and localized home insurance solutions. With customizable plans, hands-on agents, and a reputation built on service, we’re here to make sure you never face the unexpected alone.
Whether it’s rebuilding after a storm or replacing a stolen laptop, our home insurance Florida coverage protects your investment and everything in it.
Get in touch with Bloomingdale Insurance Services today—because the best time to protect your home is before disaster strikes.
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