Homeowners Insurance for Florida | Serving Stuart & the Treasure Coast
Helping Florida homeowners understand their coverage options with guidance that’s clear, local, and tailored to their needs.
Compare Multiple Carriers for the Best Home Coverage — Trusted Advice from a Local Agency
Protecting your home in Florida requires more than a standard policy. Between hurricanes, rising construction costs, and evolving insurance guidelines, Florida homeowners face unique challenges that demand coverage tailored to our state.
At Manchester Insurance, we specialize in helping homeowners throughout Stuart, Port Saint Lucie, Palm City, Jensen Beach, Hobe Sound, and the entire Treasure Coast find home insurance that fits their property, budget, and comfort level. As an independent agency, we work with many top-rated carriers, giving you access to options—not limitations.
Why Homeowners Choose Manchester Insurance
When you insure your home, you deserve clear guidance, local experience, and access to multiple insurance providers—not a one-size-fits-all quote. Homeowners throughout the Treasure Coast trust us because:
We compare many carriers, not just one
We understand Florida’s insurance landscape, including roof age rules, wind mitigation, and deductible options
We’re a local Stuart agency, providing real support when you need it
We focus on Florida homeowners and auto insurance, allowing us to provide deeper expertise
We simplify the process so you understand your coverage, not just your price
What Does Homeowners Insurance Typically Cover?
While each carrier has its own guidelines, most Florida homeowners policies include the following core protections:
Dwelling Coverage
Protects the physical structure of your home if damaged by a covered event.
Other Structures
Covers detached buildings such as sheds, fences, and garages.
Personal Property
Helps replace belongings like furniture, electronics, clothing, and appliances.
Loss of Use
Provides additional living expenses if you must temporarily move out after a covered loss.
Personal Liability
Offers financial protection if someone is injured on your property and you are held legally responsible.
Coverage details and limits vary by policy. We review the differences so you understand what your policy does—and does not—cover.
Florida-Specific Factors That Impact Your Home Insurance
Florida homes face unique risks that influence availability, pricing, and coverage:
Roof Age & Condition
Newer or updated roofs often qualify for better rates and more carrier options.
Wind Mitigation
A wind mitigation inspection may unlock substantial discounts if your home includes certain wind-resistant features.
Opening Protection
Impact windows, shutters, or full opening protection may reduce premiums.
Flood Risk
Flood insurance is not included in a homeowners policy. We help you explore both NFIP and private flood insurance.
Location & Construction
Proximity to the coast, elevation, and home age all influence underwriting.
We walk you through these factors so you can understand your options without feeling overwhelmed.
Ways to Help Lower Your Homeowners Insurance Premium
While not every discount applies to every home, the following may help Florida homeowners reduce their insurance costs:
Updating or replacing an aging roof
Completing a wind mitigation inspection
Installing impact windows or shutters
Installing monitored alarms or security systems
Adjusting deductibles when appropriate
We help identify which options may be available for your specific home and carrier.
We Also Insure Condos, Rentals & Second Homes
In addition to traditional single-family homes, we provide policies for:
Condos (HO-6)
Seasonal or second homes
Rental and investment properties
New construction homes along the Treasure Coast
Different property types require different coverage forms, and we help you choose the one that fits your needs.
Get a Homeowners Insurance Quote Today
If you’re buying a home or reviewing an existing policy, we’re here to help you compare multiple carriers and choose coverage built for Florida living.
Call us at 772-530-5305 or request a quote online to get started.
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Most people set their coverage when they first buy their home and then never revisit it. With construction costs changing so much in Florida, it’s a good idea to review your coverage every year or two.
We walk through the details with you — the age of your home, updates you’ve made, and current rebuild costs — so you’re not over-insured or under-insured. A quick conversation usually clears it up.
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For many homes in Florida, yes — it’s often worth it. A wind mitigation report can show the features your home already has that may qualify for discounts.
It’s a simple inspection, usually inexpensive, and can sometimes pay for itself within the first year.
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Your personal property is covered, but certain high-value items have limits. If you have jewelry, watches, artwork, or collectibles, you may want to schedule them for better protection.
It’s simple to add, and we can help you decide whether scheduling items makes sense for what you own.
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Florida has two types of deductibles: a standard deductible and a separate hurricane deductible.
The hurricane deductible only applies when a named storm causes the damage. The standard deductible applies to everything else.
We help you choose deductibles that are affordable while still keeping your premium reasonable.
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It’s a good idea to look over your policy every year or whenever something changes with your home. Updates like a new roof, renovations, or major improvements can affect your coverage needs.
Most homeowners are surprised at how much can change in 12 months, so a quick annual review helps make sure your policy still fits your home and lifestyle. We’re always here to help walk through the details if you’d like a fresh look.
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Some carriers require inspections when writing or renewing a policy, especially for older homes. These inspections look at things like the roof, electrical system, plumbing, and overall condition of the property.
They’re usually straightforward and help confirm that the home meets underwriting guidelines. If an inspection is needed, we’ll let you know what to expect and help make sure the process goes smoothly.
PROTECTING YOUR HOME BEGINS WITH MANCHESTER INSURANCE
Benefits of Homeowner’s Insurance
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Protects the investment you’ve made in your Florida home
Your home is often your largest asset. Insurance helps protect it from covered losses like wind, fire, or other unexpected events.
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Helps replace your belongings after a covered loss
Furniture, electronics, clothing, and everyday items add up quickly. Personal property coverage helps you recover without bearing the full financial burden yourself.
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Offers financial protection if someone gets hurt on your property
Accidents happen. Liability coverage helps protect you if someone is injured and you’re found responsible.
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Covers temporary living expenses if you can’t stay in your home
If a covered loss forces you out of your home, insurance can help with hotel stays, rental costs, and essential living expenses.
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Helps protect other structures on your property
Fences, sheds, detached garages, and similar structures are often included in your policy — something many homeowners don’t realize until they need it.
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Gives you peace of mind during Florida storms
From hurricane season to everyday summer storms, a good policy offers reassurance knowing you have protection if something unexpected happens.
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Helps safeguard you from unexpected out-of-pocket repair costs
Home repairs after a covered loss can add up quickly. Having homeowners insurance helps protect you from large, unexpected expenses by stepping in when damage is caused by events included in your policy.
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Supports long-term homeownership stability
It helps you to plan ahead knowing you have coverage for many of the what-ifs that come with owning a home in Florida. It’s one of the building blocks of responsible homeownership.
Why Homeowners Choose Manchester Insurance
Choosing homeowners insurance in Florida can feel overwhelming, especially with so many carriers and coverage options. As an independent agency based in Stuart, we help simplify the process by comparing policies from multiple reputable insurance companies and explaining the differences in a way that’s easy to understand.
Our goal is to make sure you feel confident about your coverage—not confused by insurance jargon or pressured into something that doesn’t fit your needs.
Because we live and work in the communities we serve, we understand the benefits and challenges of owning a home in Florida. We see the same weather you see, shop at the same local businesses, and raise our families here. That local insight helps us better understand your priorities and provide guidance that feels personal and down-to-earth.