Protect the place that protects you.
From everyday accidents to Florida’s most unpredictable weather, we help protect your home, personal belongings, finances and peace of mind.
Personal guidance from a local insurance team.
Your home is more than four walls and a roof.
It is where life happens. Homeowners insurance can help protect the building, the belongings inside it and your financial responsibility when an unexpected event occurs.
At MAS Insurance Group, we help you compare coverage options and understand the details that matter—from dwelling limits and deductibles to wind protection, liability and optional endorsements.
One policy. Multiple layers of protection.
A homeowners policy can combine property and liability protection to help you recover from many different types of covered losses.
Dwelling Coverage
Helps cover the physical structure of your home after a covered event, subject to the policy’s terms, deductibles and limits.
- Walls and roof
- Built-in fixtures
- Attached structures
Other Structures
Can help protect structures on your property that are separated from the main residence.
- Detached garages
- Fences and sheds
- Gazebos and similar structures
Personal Property
Helps cover eligible personal belongings when they are damaged or stolen due to a covered cause of loss.
- Furniture and electronics
- Clothing and household items
- Coverage away from home may apply
Personal Liability
Can help with covered legal expenses and damages when you are held legally responsible for injury or property damage.
- Accidental injuries
- Property damage claims
- Legal defense costs
Loss of Use
May help pay additional living expenses when a covered loss makes your residence temporarily uninhabitable.
- Temporary lodging
- Additional meal expenses
- Other necessary living costs
Medical Payments
May help cover smaller medical expenses when a guest is accidentally injured on your property, regardless of fault.
- Eligible medical bills
- Guest injuries
- Policy limits apply
Exact coverage varies by carrier and policy. Your MAS agent can explain available limits, deductibles, endorsements and exclusions before you purchase.
Coverage options for the way you live.
Every property is different. We can help explore insurance options for primary homes, secondary properties, rentals and other residential risks.
Single-Family Homes
Protection for owner-occupied homes, including the structure, belongings, liability and additional living expenses.
Explore coverageCondominiums
Coverage designed for the interior of your unit, personal property, liability and loss assessments.
Learn moreTownhomes
Flexible protection based on your ownership responsibilities and the association’s master policy.
Learn moreRental Properties
Landlord-focused coverage for residential properties occupied by tenants rather than the property owner.
Learn moreVacation Homes
Coverage options for seasonal, secondary and occasionally occupied residential properties.
Learn moreMulti-Family Homes
Solutions for duplexes, triplexes and other qualifying residential properties with multiple units.
Learn moreManufactured Homes
Specialized options based on the home’s age, construction, installation and location.
Learn moreHigh-Value Homes
Enhanced options for homes with higher rebuilding costs, custom finishes or unique property features.
Learn moreSunshine, storms and everything in between.
Florida properties face unique insurance challenges. The right policy should be reviewed carefully for wind, hurricane deductibles, roof requirements, water damage limitations and other location-specific concerns.
Review My OptionsHurricane & Wind
Review wind coverage, policy deductibles and potential mitigation credits.
Water Damage
Understand how sudden water losses, plumbing and backup endorsements may be handled.
Fire & Smoke
Property coverage may respond to eligible fire, smoke and related damage.
Theft & Vandalism
Protection may apply to covered damage and stolen personal belongings.
Home insurance and flood insurance are not the same.
Standard homeowners insurance generally does not cover flooding caused by rising water, storm surge or water moving across normally dry land. Separate flood insurance may be needed to protect your building and contents.
Homeowners
- ✓ Covered wind damage
- ✓ Fire and theft
- ✓ Personal liability
- × Rising flood water
Flood
- ✓ Rising water
- ✓ Storm surge
- ✓ Flood-related building damage
- ✓ Contents options
Wind Mitigation
Certain construction features may help a home perform better during high winds and may qualify for available insurance credits.
Stronger home features may mean better protection and discounts.
A wind mitigation inspection documents qualifying construction features that may reduce the risk of damage during a hurricane or severe windstorm.
Insurance carriers may use the inspection to determine whether your home qualifies for available wind mitigation credits. The value of those credits depends on the property, carrier and documented features.
Roof-to-Wall Connection
Reviews how securely the roof structure is attached to the walls of the home.
Roof Shape & Construction
Documents the roof geometry, covering and applicable building-code information.
Window & Door Protection
Identifies qualifying impact-rated openings, shutters and other protective systems.
Secondary Water Resistance
Reviews whether an eligible protective layer exists beneath the primary roof covering.
A wind mitigation inspection does not guarantee a specific discount. Credits are determined by the insurance carrier.
From your first quote to long-term protection.
We make it easier to gather information, compare available options and keep your coverage aligned with your needs.
Tell Us About Your Home
Share basic property details, ownership information, occupancy and your current insurance documents.
We Compare Options
Our team reviews available carriers, policy forms, deductibles, limits and coverage features.
Select Your Protection
We explain the differences so you can make an informed coverage decision with confidence.
Ongoing Local Support
Contact our team when you need certificates, endorsements, policy reviews or claims guidance.
A clear path forward after a covered loss.
Claims can feel overwhelming. Knowing what to do first can help protect your family, prevent additional damage and make the reporting process more organized.
Protect People First
Move to a safe location and contact emergency services when necessary.
Prevent Additional Damage
Take reasonable temporary measures when it is safe to do so and retain applicable receipts.
Document the Loss
Photograph or record visible damage before repairs or damaged items are removed.
Report the Claim
Contact the insurance carrier and notify our team so we can help guide you.
A few details help us find the right options faster.
Having accurate information ready can make the quoting process more efficient and reduce follow-up questions.
Information We May Request
Smart improvements may help lower your insurance cost.
Available discounts vary, but these are some common factors that may positively affect homeowners insurance pricing.
Wind Mitigation Features
Qualifying roof, opening and structural protection may earn available wind credits.
Property featureUpdated Home Systems
Newer roofing, plumbing, electrical and HVAC systems may improve eligibility and pricing.
Home updatesProtective Devices
Monitored alarm systems, smoke detectors and leak sensors may qualify for certain discounts.
Safety systemPolicy Bundling
Combining eligible home and auto policies with the same carrier may create additional savings.
Multi-policyInsurance guidance that feels clear, local and personal.
We believe homeowners should understand what their policy does, what it does not do and where additional protection may be appropriate.
Clear Explanations
We translate complicated insurance terms into practical information you can use.
More Market Access
We can review options from multiple insurance companies instead of relying on one solution.
Human Support
Our team remains available after the policy is issued for service, questions and guidance.
Let’s build a homeowners policy around what matters to you.
Speak with our team to compare available homeowners, flood and additional coverage options.
Questions homeowners ask us every day.
These general answers can help you better understand how homeowners insurance works.
What does homeowners insurance usually cover?
A standard homeowners policy commonly includes dwelling, other structures, personal property, liability, medical payments and loss-of-use coverage. Exact protection varies by policy.
Is homeowners insurance required by law?
Homeowners insurance is generally not required by state law, but mortgage lenders typically require borrowers to maintain acceptable property insurance.
Does home insurance cover hurricane damage?
Eligible wind damage may be covered when wind coverage is included, but a separate hurricane deductible and other policy limitations may apply.
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flooding caused by rising water or storm surge. Separate flood insurance may be necessary.
What is a hurricane deductible?
It is the amount you are responsible for paying on an eligible hurricane claim. It is often expressed as a percentage of the insured dwelling value.
What is replacement-cost coverage?
Replacement-cost coverage generally values eligible damaged property based on the cost to replace it with similar property, subject to policy terms and limits.
Why is my dwelling limit different from market value?
Dwelling coverage is generally based on the estimated cost to rebuild the structure rather than the property’s real-estate sale price or land value.
What is a four-point inspection?
A four-point inspection evaluates the roof, electrical, plumbing and HVAC systems. Insurance companies often request it for older Florida homes.
How long is a wind mitigation inspection valid?
Validity requirements can vary by carrier. Insurers may also request a new inspection after renovations, roof replacement or other significant property changes.
Does home insurance cover roof leaks?
Coverage depends on the cause of loss. Sudden covered damage may be eligible, while normal wear, deterioration, maintenance issues and long-term leakage are generally excluded.
Are jewelry and valuables automatically covered?
Some protection may be included, but special limits often apply. Scheduling valuable items may provide broader coverage and higher limits.
Can I insure a home that I rent to someone else?
Yes, but an owner-occupied homeowners policy is usually not appropriate. A dwelling-fire or landlord policy may be needed.
Can I combine home and auto insurance?
Many carriers offer multi-policy discounts when eligible home and auto policies are placed together.
How often should I review my homeowners policy?
Review it at least annually and whenever you complete renovations, replace the roof, purchase expensive belongings or change how the property is occupied.
Coverage descriptions are provided for general informational purposes only. Actual coverage is subject to policy terms, conditions, limits, deductibles, exclusions, underwriting requirements and carrier approval. Contact MAS Insurance Group for coverage details and availability.