Paste the quote or the declarations page. InsureCompare flags the hurricane deductible in dollars, the roof clause, the water-damage cap and the Citizens rules — each with the Florida statute — then lines up the carriers by what they publish.
Florida carriers
No premium numbers: every Florida quote is property-specific. What we can compare is what each carrier publishes — rating agency, claims contact, Florida domicile — and the rules every policy must follow. Tick up to three. how we score
| Select to compare | Product | Price band | Strength | Claims | Transparency | Quote turnaround | Flags |
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Pick up to 3 to compare side by side
Decode
Flags appear as you type — hurricane deductible, roof valuation, water cap, wind-mitigation credits — then ask: "is a 5% deductible normal for a $350k house?"
We pass your request to the carriers you selected (or to a licensed Florida agent). One email, no calls unless you ask.
Why this exists
A 10% hurricane deductible on a $350,000 house is $35,000 out of pocket before the policy pays a dollar. It is on the declarations page in small type, and it is the single biggest lever you control.
How it works
Or the quote. The checker runs in your browser; nothing is sent until you ask a question.
Hurricane deductible converted to dollars, roof valuation, water cap, enclosures, wind-mit credits — each with the statute.
Tick up to three Florida carriers; the Ask tool writes the questions to put to each agent.
3 = we have not yet verified this carrier's current Demotech / AM Best letter — the row links to where you look it up. A carrier only moves above 3 after we confirm the letter, with the date, in the row's sources.
3 = a claims phone number and online claim form are published on the carrier's site (linked). Higher only with published claim-handling timelines.
Florida OIR listing, a public rating agency, and a published claims contact — one point each.
We do not quote or estimate premiums, and we do not rate how a carrier pays claims. Every Florida quote is property-specific; every claim is fact-specific.
Plans
The checker and the carrier table are free. Pay once for a printable packet: your flags, the dollar math, the questions for each carrier, and the wind-mitigation checklist for the inspector.
Everything decoded, printed, with the questions to ask each carrier.
Decode every quote that comes in until you bind.
All prices in USD. Payments are handled by Stripe; we never see your card. A paid plan unlocks the full version on the device you paid from — keep the Stripe receipt to re-activate elsewhere.
Common questions
No. InsureCompare FL only shows you what your quote or declarations page says and helps you see costs and coverage gaps in plain language. It is not a substitute for advice from your insurance agent or carrier — always confirm coverage details with them before making a decision.
Yes, the tool is described as 'Free, English and Spanish,' so there is no charge to use it. The material provided doesn't say anything about how long pasted documents are kept or where they go, so if you're unsure, avoid pasting information you consider sensitive.
You can paste your quote or declarations page and it will show you what the hurricane deductible really costs, based on what's written in that document. It doesn't set or change your deductible — it just helps you understand the number your carrier already gave you.
Yes, checking whether your roof is covered at replacement cost is one of the things the tool is built to show you from your pasted quote or declarations page. It also suggests questions to ask your carrier if that isn't clear.
Yes — after reviewing your document, the tool compares Florida carriers using what each one publishes. Keep in mind this comparison is based only on published information, so confirm current terms directly with each carrier.
No. InsureCompare FL solo le muestra lo que dice su cotización o su página de declaraciones y le ayuda a entender los costos y las brechas de cobertura en lenguaje sencillo. No sustituye el consejo de su agente o de la aseguradora — siempre confirme los detalles de la cobertura con ellos antes de tomar una decisión.
Sí, la herramienta se describe como 'Gratis, en inglés y español', así que no tiene ningún costo usarla. El material no especifica cuánto tiempo se guardan los documentos que se pegan ni a dónde van, así que si tiene dudas, evite pegar información que considere sensible.
Puede pegar su cotización o su página de declaraciones y la herramienta le mostrará lo que realmente cuesta el deducible de huracán, según lo que aparece en ese documento. No establece ni cambia su deducible — solo le ayuda a entender la cifra que ya le dio su aseguradora.
Sí, revisar si su techo está cubierto a costo de reemplazo es una de las cosas que la herramienta está diseñada para mostrarle a partir del documento que pegue. También le sugiere preguntas para hacerle a su aseguradora si eso no queda claro.
Sí — después de revisar su documento, la herramienta compara las aseguradoras de la Florida usando lo que cada una publica. Tenga en cuenta que esta comparación se basa únicamente en información publicada, así que confirme los términos actuales directamente con cada aseguradora.
Built by the same team, free to try.