We shop multiple top-rated carriers to find you the right home coverage at the right price: dwelling, personal property, liability, and everything in between.
Independent agency · Est. 2007
Get Your Free Home Quote
Takes about 60 seconds, just a few questions about the property.
Why Clients Choose Us for Homeowners Insurance
Real benefits. No gimmicks.
Florida Wind and Roof Requirements
Roof age, wind mitigation and four-point inspections all affect Florida home insurance eligibility, available options and pricing.
Admitted and Surplus Lines Access
When the standard market declines a home, we have somewhere else to look, when available.
Inspection Guidance Up Front
A licensed insurance agent explains when a wind mitigation or four-point inspection is commonly requested and how each is used during quoting.
Multiple Carriers, One Application
One conversation with a licensed agent, quotes from several companies.
Your Whole Picture Reviewed
We look at your auto and personal umbrella alongside the home so nothing is quoted in isolation.
Local Agents, Not a Call Center
Miami-based licensed insurance agents who know Florida homes, not a rotating queue.
Florida Homeowners We Help
Homes and situations vary, and so does carrier appetite. These are the homeowners who most often ask for our help.
First-Time Buyers
Closing on a first home, usually with a lender deadline and a binder needed quickly.
Owners of Older Homes
Roof, wiring, plumbing and HVAC age all affect who will write the home.
Homes With Pools or Screen Enclosures
Common in Florida, and treated differently from one carrier to the next.
Higher-Value Homes
Larger replacement costs often need a carrier that specializes in them.
Owners Non-Renewed by a Carrier
A non-renewal is not the end of the road. We look at what else is open.
Second and Seasonal Homes
Occupancy patterns change how a home is rated and who will consider it.
Frequently Asked Questions
Common questions about homeowners insurance.
Roof age and condition are among the things Florida insurance companies commonly review when quoting home insurance. What is asked for varies by insurance company, and a licensed insurance agent can tell you what the carriers we work with will want to see.
Many Florida insurance companies ask for a wind mitigation inspection report during the quoting process. Whether one is needed, and how it is used, varies by insurance company and policy. A licensed insurance agent can explain what the carriers we represent require.
Use the quote form on this page or call 305-253-5343. A licensed insurance agent reviews your information, compares home insurance quotes from the insurance companies we represent, and follows up with the options available for your situation. There is no obligation to move forward.
Typically the property address, year built, and your current insurance if you have it. Depending on your situation, additional information may be requested. Insurance companies have different underwriting requirements. If you do not have everything to hand, a licensed insurance agent can still get started.
A captive agent represents one insurance company. As an independent insurance agency, Emperor Insurance works with multiple carriers, so if one changes its pricing or appetite we can look at others without you starting over, with the same licensed insurance agent throughout. Coverage, features and eligibility vary by policy and insurance company.
Protect What Matters Most
Get a free Florida homeowners quote from multiple carriers today.
Talk to a Real Agent Today
Call, email, or request a quote. A licensed Emperor Insurance agent will get back to you the same business day.