Get 3 Home Insurance Quotes in Seconds
Enter your address to compare quotes from 25+ trusted Florida insurance companies.
Takes 20 seconds
Independent Insurance Agency
Serving Florida residents for 18 Years
Takes 20 seconds
Independent Insurance Agency
Serving Florida residents for 18 Years
The 3 displayed quotes are Low / Medium / High estimates only.
Your Wind Mitigation Inspection is required to calculate accurate premiums for homes built before 2012.
Quote Estimate vs Actual Quote
Get Your Exact Home Insurance Premium
To provide your actual quote, we need a few additional details.
Fill out the form below and our team will generate your final premium options from multiple carriers.
HOW THE PROCESS WORKS
Get Your Home Insurance Quote in 3
Simple Steps
Enter Your Address
Our system instantly scans over 25 top Florida insurance companies to generate competitive quote estimates.
Upload Your Wind Mitigation Inspection (Optional)
This allows us to calculate actual premiums instead of estimated quotes, helping you see your real savings.
Speak With a Licensed Agent
Review your quotes and choose the best coverage with guidance from one of our licensed Florida insurance specialists.
Need to speak with an agent now?
Call us 772-244-4350
We are an independent insurance agency with access to over 25 of Florida’s top home insurance carriers.
Snapshot of Recent Quotes
Location: Davie (Broward County)
Year Built: 1972
Dwelling: $476,000
Prior Policy Premium: $12,556
NEW POLICY PREMIUM: $3,707
NEW POLICY PREMIUM: $3,707
Location: Delray Beach (Palm Beach County)
Year Built: 1989
Dwelling: $493,000
Prior Policy Premium: $5,550
NEW POLICY PREMIUM: $3,136
Location: Port St Lucie (St Lucie County)
Year Built: 2006
Dwelling: $402,000
Prior Policy Premium: $4245
NEW POLICY PREMIUM: $2,336
Serving Homeowners Across Florida
We help Florida homeowners compare coverage options from trusted regional and national insurers to find the right protection at the best price.
Customer Testimonials
-Melissa Stallings RE/MAX of Stuart
I have had the pleasure of knowing Chris for years in a limited capacity. Recently I began working with him and his company for mine and my clients insurance needs. Here is what I have learned; Chris is incredibly invested in his clients. He is dedicated, hands on and motivated. He is efficient and so very helpful. He will not hesitate to go the extra mile for his clients and I have been absolutely thrilled with the service and outcomes while working with Chris Hodgins.
Realty One Group Engage
I very highly recommend Chris Hodgins. Not only is he my personal agent for all of my properties, but he also helps many of the agents in my real estate company and their clients. He is hard-working, honest and always does whatever he can to help us get the best insurance policy at the best price. Debra Parker Broker/ Owner
Frequently Asked Questions
Are insurance rates going down in 2026?
Yes. The law changes enacted in 2022 have had a very positive effect on Florida's property insurance market. Most of the state's property insurers have announced rate decreases and increased capacity for new policy issuance in tougher-to-insure places like Miami, Broward, Palm Beach, Orlando & Tampa. 2026 is a great year to shop for new homeowners' insurance.
How do I reduce my high premium?
- Wind Mitigation Inspections tell insurers how well your home is constructed against the peril of wind damage.
- Is your roof newer or older?
- Are your roof-to-wall attachments hurricane straps or clips?
- Are all the home’s openings (windows, doors, sliding doors, skylights, garage door) protected by a Miami/Dade rated product.
- When risk is reduced, more insurance companies are willing to offer coverage for your home with lower premiums. Ask your agent to review your Wind Mitigation Inspection report.
What is a 4-point inspection and why do I need one?
A 4-point inspection is a report that tells the insurance companies how up to date the “Body Organs” of your home are. Basically, when was the electrical, heating (air conditioning), plumbing, and roof last replaced? Homes with older body organs have a statistically higher claim frequency. Fewer insurers are willing to take the risk of insuring such properties.
Homes with recently replaced or updated hot water heaters, electrical panels, roofs and air conditioning systems have a lower chance of failure, more insurance policy offers, and typically better premiums.
4-point inspections are usually required for homes older than 20 years of age
Is flood insurance required?
Standard homeowners insurance policies do not cover flood damage. Flood insurance is often required by mortgage companies when a home is in a FEMA designated hazardous flood zone.
What is a hurricane deductible?
Florida policies often have separate deductibles for windstorms/hurricanes. These deductibles are usually 2%, 3%, 5% or 10% of the home's Dwelling limit.
Example: Dwelling limit = $400,000. A 2% hurricane deductible would be $8,000.
Should I leave Citizens Insurance?
2026 is a great year to see if your home qualifies for insurance with a private company. In most cases, Citizens requires the purchase of flood insurance even for homes not located in a hazardous flood zone. This additional cost adds up. Now is the time to see if private insurers can offer better pricing and coverage.
What does my insurance agent need in order to accurately quote my home insurance?
- Your Name & Date of Birth
- Property Address (to be insured)
- Wind Mitigation inspection
- 4-Point inspection (if home is > 20 years old)
- Copy of your current insurance Declaration
- Any Claims filed over the past 5 years?
Hodgins Insurance Group, LLC
Insurance Insurance Agency License # L134138
The Hodgins Insurance Group is an independent insurance agency serving homeowners throughout Florida.
1860 SW Fountainview Blvd #100 Port St Lucie, FL 34986
Contact Us
Phone: 772.244.4350
[email protected]
Follow Us
Personalized Policy Guidance
Access to 25+ Insurance Companies
Licensed Florida Insurance Agent