TBF Insure provides personal lines insurance for families and individuals across South Florida — from Boca Raton and Delray Beach through Fort Lauderdale and Hollywood to Miami. As an independent agency, we access multiple personal lines carriers to find appropriate coverage for your home, vehicles, valuables, and overall liability exposure. South Florida's unique risk environment — hurricanes, flood, and an active litigation market — makes independent guidance particularly valuable for personal lines clients.
Homeowners Insurance in South Florida — Wind, Flood & Beyond
South Florida homeowners insurance is among the most complex in the nation. The combination of hurricane exposure, a hard private market, and the transition away from Citizens Property Insurance Corporation has created a challenging environment. TBF Insure navigates this market on your behalf, finding appropriate coverage with financially stable carriers.
Wind Insurance vs. Flood Insurance — What South Florida Homeowners Must Know
Wind and flood are separate perils requiring separate policies. Wind damage from hurricanes may be covered under your homeowners policy (subject to a wind deductible), while flood damage requires a separate flood policy through NFIP or private market. Understanding which policy responds to which loss is critical for South Florida homeowners.
High-Value Home Insurance — Coral Gables, Palm Beach & Boca Raton
High-value homes require specialized coverage that standard homeowners policies don't provide. Guaranteed replacement cost, agreed value, higher contents limits, and access to specialty markets like Chubb, AIG Private Client, and PURE are appropriate for homes in South Florida's premium residential markets.
Personal Auto Insurance South Florida
Florida is a no-fault state with specific PIP requirements. Beyond minimum coverage, the right auto policy for South Florida residents considers significant uninsured motorist exposure, comprehensive coverage for storm damage, and appropriate liability limits given Florida's litigation environment.
Personal Umbrella Insurance — Why Every South Florida Family Needs It
A Personal Umbrella policy provides liability coverage above and beyond your home and auto policies. Given South Florida's active litigation environment and the asset protection it provides, umbrella coverage is one of the most cost-effective insurance purchases available to individuals and families.
Jewelry & Valuables Insurance — Scheduled Personal Property
Standard homeowners policies have significant sublimits for jewelry, fine art, collectibles, and other valuables. Scheduling individual items on a Personal Articles floater or obtaining a Valuable Items policy provides broader coverage — typically on an agreed value, all-risk basis — for South Florida's collector and collector community.
Condo Insurance in South Florida
Condo ownership creates a unique insurance situation: your association's master policy covers the building structure, but your individual unit, improvements, personal property, and personal liability require separate coverage. Understanding what your association's policy covers — and what it doesn't — is the foundation of proper condo insurance.
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