🌴 Florida’s Independent Insurance Agency — Tamarac & Ocala
From your primary residence to your vacation home, your car to your boat — Coastal Select offers comprehensive personal insurance solutions tailored for Florida living.
No. Standard homeowners insurance policies do not cover flood damage. You need a separate flood insurance policy — either through the National Flood Insurance Program (NFIP) or a private flood insurer. This is especially important in Florida where flooding from storms and heavy rain is common.
Yes, absolutely. Florida is one of the most hurricane-prone states in the US. While some homeowners policies include wind coverage, others exclude it — especially in coastal areas. We'll review your policy and make sure you have proper hurricane and X-Wind coverage for your specific location and property type.
Typically no. Most standard homeowners policies exclude or severely limit coverage for short-term rental activity. We offer specialized short-term rental insurance policies that cover your property, liability from guests, and loss of rental income — giving you proper protection for your Airbnb or VRBO property.
Umbrella policies are surprisingly affordable — typically $650 – $1,300 per year for $1 million in additional liability coverage. Given the level of protection they provide above your home and auto policies, they're often considered one of the best values in personal insurance.
Actual cash value (ACV) pays what your damaged property is worth after depreciation. Replacement cost coverage pays what it costs to replace the item new. For most homeowners, replacement cost coverage is worth the additional premium — especially for roofs, appliances, and personal belongings.
