Homeowners Insurance

Personalized Protection for Florida Homes

Owning a home in Florida means navigating unique risks—hurricanes, water damage, insurance rate hikes, and changing rules. LIG Specialty Insurance is a boutique, family-run agency that brings peace of mind to families and business clients alike, with coverage built around your real needs and proactive advice you won’t find from a call center.



We help you understand your policy, avoid coverage gaps, and bundle your home with auto or other lines for added value—all with a relationship-first approach that puts your family first.

Red car with severe damage to the rear, loaded on a tow truck.
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What Does Homeowners Insurance Cover?

Dwelling Protection

Pays to rebuild or repair your house after damage from storms, fire, wind, or vandalism—crucial in hurricane-prone Florida.

Personal Property

Covers your belongings—furniture, electronics, clothing, and more—against theft or damage.

Liability Coverage

Protects you if someone is injured on your property or you’re held responsible for damages elsewhere.

Loss of Use

Covers extra living expenses if your home becomes uninhabitable after a covered loss.

Other Structures

Protects sheds, fences, and garages on your property.

Flood & Water Damage (Optional/ Recommended)

Standard homeowners insurance does not cover flood—LIG explains your options for standalone flood insurance or water backup endorsements.

Every policy is tailored for Florida risks, with ongoing reviews to keep your coverage current as your home and family grow.

Red car with severe damage to the rear, loaded on a tow truck.

Who Needs Homeowners Insurance?

  • Homeowners in Casselberry, Orlando, and Seminole County—especially those looking for personal attention and fast support.
  • Business clients bundling coverage for simplicity and savings.
  • New Florida residents who need help understanding state insurance requirements and hurricane/windstorm coverage.
  • Families wanting honest, proactive advice about what’s covered and what isn’t.


We make switching, reviewing, or updating your homeowners policy easy—and you always talk to someone who knows your name.

Florida-Specific Considerations

  • Hurricane and Windstorm Risks: Make sure you have enough coverage for wind, roof, and storm-related losses.
  • Flood Exclusion: Flooding isn’t covered by standard policies—let’s talk about what you really need based on your location.
  • Insurance Market Changes: Florida’s insurance market is in flux—LIG keeps you up-to-date on rate increases, carrier changes, and new options.
  • High Claim Frequency: Our local expertise helps you file claims correctly and maximize your coverage in a high-claims environment.


We provide proactive annual reviews and quick help when storms hit or rules change.

Homeowners vs. Other Property Insurance

  • Homeowners Insurance: Covers single-family homes, your belongings, and personal liability.
  • Condo, Renters, and Flood Insurance: Separate policies cover condos, rental units, and flooding—see our dedicated pages for details.


If you’re not sure which you need, we’ll walk you through every option.

Red car with severe damage to the rear, loaded on a tow truck.

Frequently Asked Questions – Homeowners Insurance

  • Is homeowners insurance required in Florida?

    It’s not required by law, but most lenders make it mandatory for mortgages.

  • Does my policy cover hurricanes and wind damage?

    Yes, but deductibles, limits, and exclusions apply. We review all the fine print with you.

  • Do I need flood insurance in Casselberry or Orlando?

    Flood is excluded from standard policies—let’s check your location and discuss whether standalone flood insurance makes sense.

  • Can I get a quote even if I’m already insured?

    Absolutely—many clients switch to us for better service, local advice, or to bundle coverage and save.

  • How does LIG Specialty Insurance make a difference?

    Personal relationships, proactive reviews, and fast, local support for claims and questions—never a 1-800 number.

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Ready for a Homeowners Insurance Review?

Let’s keep your home, family, and future protected—always with honest advice, local expertise, and coverage tailored for Florida.