Homeowners Insurance in Florida
(HO3, HO6, HO4, DP3, Flood)

Russian Speaking Insurance Agent • Miami – West Palm Beach • All Florida

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Home & Property Insurance in Florida

Risk & Cover Experts — an independent insurance agency providing homeowners insurance in Florida for houses, condos, rental properties, and tenants.

We proudly work with Russian-speaking clients across Florida, helping you understand coverage clearly and choose the right policy.

If you are searching for:

homeowners insurance Florida HO3 HO6 insurance Florida strakhovka doma Florida na russkom Russian speaking insurance agent Florida

— you are in the right place.

We serve Miami, Fort Lauderdale, Hallandale Beach, Boca Raton, West Palm Beach and the entire state of Florida.

Types of Home Insurance in Florida

🏡

HO3 – Homeowners Insurance

The most common homeowners policy in Florida, designed for single-family homes.

  • Dwelling (house structure)
  • Personal property
  • Liability protection
  • Loss of use

Wind and hurricane deductibles apply separately in Florida.

🏢

HO6 – Condo Insurance

HO6 insurance is for condo owners.

  • Interior of the unit
  • Personal belongings
  • Liability
  • Loss assessment coverage

"HO6 condo insurance Florida" • "strakhovka condo Florida russian"

🏠

HO4 – Renters Insurance

HO4 is designed for tenants renting apartments or houses.

  • Personal property
  • Personal liability
  • Additional living expenses

Affordable and highly recommended.

🏨

DP3 – Landlord Insurance

DP3 insurance is for investment and rental properties.

  • Property protection
  • Liability coverage
  • Loss of rental income

Ideal for real estate investors.

🌊

Flood Insurance Florida

Flood insurance is NOT included in standard HO3, HO6, or DP3 policies.

Flood coverage is available through:

  • NFIP
  • Private flood markets

Highly recommended in Florida — even in low-risk zones.

Why Home Insurance in Florida Requires Special Attention

Florida homeowners insurance depends heavily on:

Roof age and condition
Wind mitigation features
Location and flood zone
Prior claims history
Construction type

We help clients avoid underwriting issues and last-minute cancellations.

Russian Speaking Home Insurance Agent in Florida

We assist Russian-speaking clients with:

Policy explanations in Russian
Help with documents and inspections
Communication with carriers
Claims support

"russkogovoryashchiy strakhovoy agent Florida" • "strakhovka doma na russkom Miami"

Get a Home Insurance Quote in Florida

Call or submit a request today. Most quotes are completed within 15–30 minutes.

HO3 • HO6 • HO4 • DP3 • Flood
Miami – West Palm Beach All Florida
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Frequently Asked Questions (FAQ)

What is the difference between HO3 and HO6?
HO3 is for single-family homes. HO6 is for condo units.
Is flood insurance included in homeowners insurance?
No. Flood insurance must be purchased separately.
Does roof age affect insurance eligibility in Florida?
Yes. Roof age is one of the most important underwriting factors.
What is a hurricane deductible?
It is a separate deductible applied only to hurricane-related claims.
Do you work outside Miami?
Yes. We work across all Florida — from Miami to West Palm Beach and beyond.
Can you help Russian-speaking homeowners?
Yes. We provide full support in Russian.