Florida Homeowners &

Flood Insurance Made Simple

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120+

Carriers

Same-Day Quotes

Escrow-Ready Docs

Bilingual Service

A-Rated Carriers

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Why Choose TruvaLink

Insurance Agency?

  • We shop 120+ A-rated and specialty insurance carriers to find the right fit for your home—anywhere in Florida or Texas.
  • Same-day quotes and fast document turnaround, including escrow-ready and lender documents.
  • Bilingual guidance (English & Spanish) from quote to bind to service.
  • Premium financing available to spread out payments and reduce up-front costs.
  • Instant issue bonds and bundled coverage options for extra savings and convenience.

Coverage Details &

Flood Insurance Options

Flood insurance is available for all properties in Florida, with fast quotes and options from both the National Flood Insurance Program (NFIP) and private markets.

Flood Insurance

(NFIP and Private)

Protects against storm surge, coastal flooding, hurricane-driven rainfall, and rising water—all major risks in Florida’s coastal and wind zones where standard policies do not apply.

Homeowners

Insurance (HO3)

Covers dwelling, belongings, and liability—built to handle wind, hurricanes, and severe storms.

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Condo

Insurance (HO6)

Protects interiors and personal property—especially important for coastal and high-rise units exposed to wind and surge.

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Landlord

Insurance

Covers rental homes and liability in hurricane- and wind-prone regions.

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Renters

Insurance

Provides personal property and liability protection, even during storm-related events.

Umbrella

Insurance

Adds liability coverage that can apply to storm damage claims.

Why Flood Insurance Matters in Florida?

Coverage Types

  • Flood Insurance (NFIP + Private): Protects against storm surge, coastal flooding, hurricane-driven rainfall, and rising water—all major risks in Florida’s coastal and wind zones where standard policies do not apply.
  • Homeowners Insurance (HO3): Covers dwelling, belongings, and liability—built to handle wind, hurricanes, and severe storms.
  • Condo Insurance (HO6): Protects interiors and personal property—especially important for coastal and high-rise units exposed to wind and surge.
  • Landlord Insurance: Covers rental homes and liability in hurricane- and wind-prone regions.
  • Renters Insurance: Provides personal property and liability protection, even during storm-related events.
  • Umbrella Insurance: Adds liability coverage that can apply to storm damage claims.

Eligibility

  • Available statewide for homeowners, condo owners, landlords, and renters.
  • Applies to coastal, high-wind, hurricane-exposed, and flood-zone properties.
  • NFIP and private flood carriers accept most residential structures, including homes near the coast.

Why Flood Insurance Matters in Florida

  • Hurricanes, storm surge, and heavy rain make flooding a year-round risk.
  • Standard homeowners, condo, and landlord policies do not cover flood damage.
  • Coastal and wind-prone regions face higher exposure.
  • Flood coverage protects against costly repairs and lender requirements.

How It Works

The Simple 3-Step Process

Step 1

Request your quote online or by phone.


Step 2

We shop the market and present you with the best-fit coverage options (including flood, if needed).

Step 3

Choose your coverage and receive your documents—often the same day, ready for your lender or closing.

  1. Request your quote online or by phone.
  2. We shop the market and present you with the best-fit coverage options (including flood, if needed).
  3. Choose your coverage and receive your documents—often the same day, ready for your lender or closing.

Frequently Asked Questions (FAQs)





Client Reviews

Five black stars in a row.

Yan shopped my primary home in Texas and saved me about $480/year, then helped me bundle my auto for an extra discount. He also set up landlord policies for my two rental units in Florida and cut about $200/year there. (I didn't even know that I needed landlords insurance!) Clear options, quick communication, and everything handled fast. Highly recommend Yan @TruvaLink Insurance

-Kevin C.
Five black stars in a row, representing a perfect rating.

I’ve known Yan Hernandez for several years, and he has absolutely earned my trust. As a property manager, it is essential for me to have reliable partners I can count on, not just for myself but for my clients. Yan has become my go-to insurance professional because he consistently delivers outstanding service.

-Ashley M.
-T.M. (Galveston, TX)
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Five black stars.

TruvaLink Insurance Agency made switching my policies easy and stress-free. Yan reviewed my coverage needs across home, auto, and an umbrella policy, explained my options in plain language, and found better coverage at a lower price. Yan handled the details, kept me updated the whole time, and coordinated everything quickly.

-David A.

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