Homeowner’s Insurance

Homeowners insurance for all types of homesMike Horn Insurance has partnered with top rated insurance companies writing coverage in Florida for primary homes, secondary and seasonal homes, condo units, as well as property you own and rent to others. We are committed to providing full transparency when quoting your home and can explain the differences in companies and coverage so you can make an educated decision. You will get the coverage you need at a price that fits your budget.


Dwelling Coverage: Provides funds to replace or repair the structure when damage is caused by a covered peril
Replacement Cost:To replace with like kind and quality.

Actual Cash Value: Replacement cost less depreciation.

Dwelling Extension: Provides coverage for damage caused by covered perils to structures separate from the main dwelling. Examples include detached garage or sheds.

Personal Property Coverage: May pay to replace the personal contents of your home that are not permanent parts of the dwelling. Coverage only applies in conjunction with a loss caused by a covered peril.

Loss of use: This coverage can provide financial assistance to you while your home is being repaired and is unlivable as a result of a covered loss.

Personal Liability: May protect you, your spouse, and resident relatives under age 21 for claims you’re legally obligated to pay resulting from things such as injury, sickness, disease, and death. The coverage may also include the cost of defending claims against you.

Medical Expense: May pay for non-residents injuries that you are legally responsible for.


Deadbolt locks
Fire Extinguishers
Monitored Fire & Burglary alarms
Local Burglar Alarm
Fire Sprinklers
Roof Shape
Newer Home
Construction Type
Hurricane Shutters/Impact Glass
Multiple policies with company

If you have previously had a WIND MITIGATION SURVEY completed provide a copy to Mike Horn Family Insurance when requesting a quote.

Flood is NOT covered by your home insurance policy. CLICK HERE to get a flood insurance quote.

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Auto Insurance

Need a quote on auto insurance? Give us a call today. We’d like to help.

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Homeowners Insurance

We offer great home policies with highly-rated carriers. Call to learn more.

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Feel Safe & Protected

Let us help you get the right insurance so you can feel safe and protected.