PERSONAL · THE BOWERS AGENCY
Protect your most valuable asset.
Home insurance for Northeast Florida — where wind exposure and coastal flooding demand coverage that actually covers.
WHAT’S COVERED
Home Insurance at a glance.
We compare top carriers to build a policy that covers what matters — not just the minimum required.
Dwelling coverage at full rebuilding cost
Other structures — fences, sheds, detached garages
Personal property protection for contents inside
Loss of use / additional living expenses
Personal liability and medical payments
Wind and hurricane riders where applicable
KNOW BEFORE YOU BUY
What Florida & Georgia clients need to know.
Many Florida homeowners default to Citizens Property Insurance Corporation, the state’s insurer of last resort, without comparing private carrier options first. We shop the private market alongside Citizens and help you understand wind mitigation credits that can lower your premium.
WHO IT’S FOR
Is this coverage right for you?
Any homeowner who wants real protection, not just the minimum required to satisfy a mortgage lender.
RELATED COVERAGE
Often paired with home insurance.
Coastal & Recreational
Flood Insurance
Separate from homeowners coverage — essential for most of Northeast Florida.
Coastal & RecreationalFlood InsuranceSeparate from homeowners coverage — essential for most of Northeast Florida.Learn more →
Personal
Umbrella Insurance
Extra liability protection layered on top of your home and auto policies.
PersonalUmbrella InsuranceExtra liability protection layered on top of your home and auto policies.Learn more →
Personal
Auto Insurance
Coverage that follows your life — commutes, road trips, and everything between.
PersonalAuto InsuranceCoverage that follows your life — commutes, road trips, and everything between.Learn more →
Get your home insurance quote today.
Tell us a little about what you need. A local advisor will reach out — usually the same day — with options built around you.