Florida Homeowners &
Flood Insurance Made Simple
120+
Carriers
Same-Day Quotes
Escrow-Ready Docs
Bilingual Service
A-Rated Carriers
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.
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.
Coverage Types
- Homeowners (HO3) – Complete protection for your home, belongings, and liability.
- Condo (HO6) – Interior and personal property coverage for condo owners.
- Landlord & Renters – Safeguard your property or tenants’ possessions.
- Umbrella – Added liability protection for peace of mind.
- Flood (NFIP & Private) – Coverage for storm surge, heavy rain, and coastal flooding.
Eligibility
Available for primary and secondary homes across Florida, including coastal and inland areas. Both NFIP and private flood options are accessible, often required for properties in high-risk zones.
Why Flood Insurance Matters
Florida faces frequent hurricanes and coastal storms. Flood coverage fills the gap left by standard homeowners policies, ensuring financial protection after severe weather.
How It Works
The Simple 3-Step Process
Step 2
We shop the market and present you with the best-fit coverage options (including flood, if needed).

- Request your quote online or by phone.
- We shop the market and present you with the best-fit coverage options (including flood, if needed).
- Choose your coverage and receive your documents—often the same day, ready for your lender or closing.
Frequently Asked Questions
Florida premiums are based on your home’s location, age, construction type, roof condition, claims history, and proximity to the coast. Wind and hurricane risk play a big role, and discounts may apply if you have impact windows, a newer roof, or wind-mitigation features.
Homeowners insurance does not cover flood damage from storm surge, heavy rain, or rising water. Flood insurance—through NFIP or private carriers—protects your home and belongings from these risks, which are common in Florida’s hurricane and coastal zones.
You can usually get insurance quotes the same day, and once bound, proof of coverage and certificates can be sent to your lender or title company within hours. Many agencies offer escrow-ready documents and e-delivery to keep closing on schedule.
Homes near the coast or in wind-prone areas can still be insured, but may require higher wind/hail deductibles or specialized carriers. Wind-mitigation reports, roof updates, and impact protections can help reduce rates and expand eligibility.
What Our Clients Say
What Our
Clients Say
"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.
"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.
"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.
What Our Clients Say
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.
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)
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.
Get A Quote Today!
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Contact Us
TruvaLink Insurance Agency
615 Channelside Drive Suite 207, Tampa, 33602-3517, US
(813) 492-2535
TruvaLink Insurance Agency
Navigation
Contact Us
TruvaLink Insurance Agency
615 Channelside Drive Suite 207, Tampa, 33602-3517, US
(813) 492-2535
TruvaLink Insurance Agency