Protect Your Home with the Right Coverage
Florida has the most complex home insurance market in the country. As an independent agency, we work with dozens of top carriers to find the right plan at the right price — for every Florida homeowner.
Florida Home Insurance That Fits Your Needs & Budget
Florida is beautiful with sun-drenched beaches and warm weather year-round — but it also has, without question, the most complicated and confusing insurance market in the United States. At FEI & GAC Wealth Management, we work with the most reputable carriers to insure primary residences and rental homes across the state.
Your home insurance should never be something you are forced to sacrifice on because of cost. As an independent agency established in 2002, we work with dozens of Florida's top home insurance carriers to find the right coverage at the most competitive rate for each homeowner we serve — without being tied to any single company.
Our policies can be tailored to cover your dwelling, personal property, liability, and additional living expenses. We also offer bundled home and auto insurance policies, which can result in meaningful savings on both premiums when placed with the same carrier.
We proudly serve homeowners throughout:
Who We Help
- First-time homebuyers in Florida
- Homeowners relocating to Florida
- Existing homeowners seeking better rates
- Rental & investment property owners
- Condo and townhome owners
- Snowbirds with Florida properties
Why an Independent Agency?
Unlike captive agents who represent a single carrier, we compare options across dozens of top-rated Florida home insurance companies. That means you get unbiased advice and the best combination of coverage and price — every time.
Bundle & Save
Bundling your home and auto insurance with the same carrier can result in meaningful savings on both policies. Ask us about multi-line discounts when you request your quote.
Core Homeowners Insurance Coverage
A standard Florida homeowners policy typically includes several layers of protection. Here's what each one covers — in plain language.
Dwelling Coverage
Covers the physical structure of your home — walls, roof, floors, and built-in appliances — against covered perils such as fire, windstorm, lightning, and vandalism.
Other Structures
Protects detached structures on your property — like a fence, shed, or detached garage — typically at a percentage of your dwelling coverage limit.
Personal Property
Covers your belongings — furniture, electronics, clothing, and more — if damaged or stolen. Coverage applies whether the loss occurs at home or away.
Liability Protection
Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property. Critical protection for Florida homeowners.
Additional Living Expenses
If your home becomes uninhabitable due to a covered loss, this coverage pays for temporary housing, meals, and other living costs while repairs are made.
Medical Payments
Covers medical bills for guests injured on your property regardless of fault — a small but important coverage that prevents minor incidents from becoming major disputes.
Important: Flood Damage Is Not Covered by a Standard Policy
Flooding from storm surge, rising water, or rainfall accumulation is never covered by a standard homeowners policy — even during a hurricane. This is one of the most common and costly misconceptions for Florida homeowners.
A separate NFIP (National Flood Insurance Program) or private flood insurance policy is required to protect your home and belongings from flood damage. Learn about flood insurance →
Ready to Protect Your Florida Home?
Request a free, no-obligation quote and we'll compare dozens of top carriers to find the best coverage for your home and budget. Most quotes are ready within one business day.
Speak With a Licensed Agent
Our team is available Monday through Friday during business hours to answer questions and help you find the right coverage.
Land O Lakes, FL 34638
St. Petersburg, FL 33702