Quality Protection for your home

With Insurance that fits your lifestyle

Protect your home, condo or townhouse with

Florida Homeowners Insurance

Your home is one of the biggest investments you have. Put it in good hands.

Get a free home estimate

Get dependable coverage for your home and belongings.

No matter where you live in the Sunshine State, a GCI agent can help protect you with home insurance solutions for your area. You can have the support of a local, dedicated agent who's there for you. Protect your home and your family with homeowners insurance.

Home Insurance

Home

Coverage built to protect your home from risks

Condo

Coverage for your unit and personal belongings

Flood

Protect your home against the damage caused by flooding

Explore Other Property Protection

Every type of home comes with its own benefits and risks. Quality coverage for your property can help give you peace of mind no matter your residential situation. Learn more about coverage options and opportunities for yours.

Renters Insurance

Cover what you care about for just a few bucks.

Landlord Insurance

Quality protection for your place.

Umbrella

Protect Yourself Against Large Claims

Types of homeowners insurance coverage and how they work.

Homeowners insurance can help protect more than just your home. A standard home insurance policy includes liability coverage as well as protection for your house, structures on your property and your belongings.
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Standard types of homeowners insurance coverage

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Dwelling Coverage

Covers the physical structure of your home, like the walls and roof

Liability protection

Defends and covers you if someone sues or files a claim against you after being injured on your property or you damage someone else's property

Personal property coverage

Covers the belongings inside your home, like furniture or bicycles, even if they're damaged or stolen outside the house

Guest medical protection

Covers the cost of medical expenses for someone who's injured on your property

How can an agent help protect your home.

They work to understand your unique needs so they can help you get the coverage that fits your life and home.
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Benefits of choosing GCI Homeowners Insurance

Dependable protection is just the beginning when you choose Allstate home insurance. You'll also enjoy the support of an Allstate agent who can answer your questions and help you:
  • Know your choices so you can find coverages that fit your needs and your budget
  • Learn more about homeowners insurance coverages with helpful tools & resources
  • Get answers about the claims process and navigate through it
  • Save on your premium with home insurance discounts

Home insurance discounts to help you save.

Insuring your home with quality coverage can be more affordable than you might think. Explore the many discounts Allstate offers to help you save money while protecting your house and family, like:
Multi-Policy Discounts

The multi-policy discount that can help you save 25% or more when you bundle home and auto.

New Home Buyer Discount

A discount for up to 10% for being a new home buyer.

Do You Have Questions?

A list of frequently asked questions to help you understand how it works.

What is deductible

When filing a claim for a covered loss, your deductible is the set cost you’ll pay before your policy kicks in. Depending on your personal property policy, you may also have a limit, or a maximum amount that Allstate will pay you to repair or replace whatever is damaged or stolen.

About insurance limits

If you have very valuable belongings, it may be a good idea to increase your limits or add optional coverage. To check your limits, refer to your Policy Declarations under the Coverage and Applicable Deductibles or Scheduled Personal Property section.

Why buy flood insurance coverage

When you purchase an NFIP flood policy through an Allstate agent, you’re helping protecting yourself from the financial burden flooding can cause. In fact, just one inch of water in a home can cost more than $25,000 in damage. Instead of paying out of pocket or taking out loans to cover your expenses, flood insurance can help make the recovery process quicker, easier and less costly.

What are optional coverages

Allstate offers a variety of different coverage options to help protect what makes your home unique. In addition to standard home insurance coverage, you can choose from all kinds of optional coverage to better protect the things you love most.

What is condo insurance

It generally helps pay to repair your unit and your belongings if they are stolen or damaged by certain perils, such as fire or vandalism.

What does your policy cover

It depends where you live, but standard homeowners insurance policies will typically help pay to repair damage caused by certain risks, or perils, including:

  • Theft
  • Fire and smoke
  • Windstorm or hail
  • Falling objects
  • Frozen plumbing
  • Water damage from plumbing, water heater, heating or cooling system or appliance

What is a policy declaration

A Home Insurance Policy Declarations is the document that outlines the coverage, limits and deductibles you’ve purchased. You’ll receive a new Declarations every renewal period, which is usually every year. You should always read through your renewal to make sure it’s accurate, you have sufficient coverage for the things you love and you’re up to date on any changes in premium and other important info.

What is personal umbrella insurance

Personal umbrella insurance helps protect you against large liability claims. When you’ve reached the liability limit on your property policy, a personal umbrella policy will kick in to help prevent you from paying out of pocket.

What is optional coverage

A standard Allstate homeowners policy might not quite cover all the things you love in and around your home. That’s why you have the option to add additional coverage, like yard and garden insurance, musical instruments insurance and more.

Learn more Get the support of a knowledgeable local agent.

You can depend on your local Florida agent to understand the needs of homeowners in the Sunshine State.

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