5 Essential Insurance Coverages for Your Florida Keys Home

Protect Your Paradise with the Right Coverage

Living in the Florida Keys—whether in Key West, Big Pine Key, Sugarloaf Key, Islamorada, or Key Largo—means waking up to ocean breezes and island sunsets. But this coastal paradise also comes with unique risks that require specialized insurance coverage.

At North Broward Insurance Solutions, Julia Dourvetakis, a Florida-licensed Independent Insurance Agent, helps both new and experienced homeowners in the Keys protect what matters most—with affordable, customized coverage options from trusted carriers.

Here are the 5 essential insurance coverages every Florida Keys homeowner should consider:

1. 🏠 Homeowners Insurance (HO-3 or HO-6)

This is your primary policy that covers your dwelling, personal property, and liability. In the Keys, carriers often have stricter guidelines and higher premiums, so it’s critical to work with an independent agent who can shop across multiple companies for the best rates and coverage.

Julia Dourvetakis specializes in navigating Florida’s high-risk zones to ensure you’re fully protected—without overpaying.

2. 🌊 Flood Insurance (NFIP or Private Market)

Standard homeowners insurance does not cover flooding. And in the Florida Keys, flood insurance is not just smart—it’s often required by lenders.

Julia offers both NFIP-backed policies and competitive private market flood insurance options that may offer broader coverage or better pricing depending on your home’s elevation and location.

3. 🌀 Windstorm Insurance

Wind coverage is often excluded from standard homeowners policies in coastal areas like Monroe County. A separate windstorm policy may be required, especially for named storm protection.

Julia can help you navigate Citizens Property Insurance, surplus lines carriers, and private insurers who offer wind-only policies tailored to homes in the Florida Keys.

4. ⛆ Excess Flood Insurance

If your home’s value exceeds the $250,000 NFIP coverage cap—or if you have valuable contents—it may be time to consider excess flood insurance. This policy kicks in after your primary flood policy is exhausted, helping protect high-value coastal homes and properties.

5. 💸 Wind Deductible Buy-Back

In Florida, hurricane and wind deductibles are often 2%–10% of your dwelling coverage, which can mean thousands out-of-pocket after a storm. A wind deductible buy-back policy helps reduce that burden, allowing you to recover faster and more affordably after hurricane damage.

Julia can help determine if a buy-back option makes sense for your risk tolerance and budget.

🧭 Ready to Insure Your Keys Property the Smart Way?

Whether you’ve just bought your dream home in Key West or are reviewing your policy in Islamorada, Julia Dourvetakis is here to help.

As an independent insurance agent with North Broward Insurance Solutions, Julia works with multiple carriers to find the best blend of protection and price—even for challenging or high-risk properties.

📞 Call Julia Dourvetakis today at 954-368-0060, x 5

🌐 Or visit northbrowardinsurance.com to request a custom quote or consultation.

Insure your island life with peace of mind—work with Julia.