FXM Risk Florida Property Insurance

Florida Commercial Residential Property Insurance

We write commercial residential policies in Florida for HOAs, condo associations, apartment schedules, and rental portfolios – with clean submissions, clear eligibility, and strong deductible options.

Condos & HOAs
Apartment Buildings
Rental Portfolios
Coastal & Inland
Currently writing in most Florida counties – coastal and inland. Eligibility depends on construction, occupancy, location, and loss history.

What We Cover

  • Building Coverage – structure, attachments, fixtures
  • Wind & Hurricane – with various deductible structures
  • Loss of Rents / Business Income (where applicable)
  • Flood – via NFIP or private markets
  • Ordinance & Law (when code changes force upgrades)
  • Equipment Breakdown optional for HVAC / boilers / etc.
We work with admitted and surplus lines carriers experienced in Florida's coastal and inland markets.
Eligibility & requirements

What We Look For in Florida Property Submissions

Florida is complex. We'll tell you quickly whether your risk fits – so you don't waste time chasing quotes that won't bind.

Construction & Age
  • Frame, masonry, concrete, or superior construction
  • Roof age, condition, and material (updates = better terms)
  • Electrical, plumbing, HVAC systems (older systems may need upgrades)
  • Wind mitigation features (shutters, impact windows, reinforced structure)
Location & Wind Zone
  • Distance to coast matters (Tier 1 / Tier 2 / Tier 3 wind zones)
  • Flood zone designation (A, AE, VE, X, etc.)
  • Inland vs. coastal underwriting appetite varies by carrier
  • Some carriers write statewide, others are regional
Occupancy & Use
  • Primary residences, seasonal occupancy, or investment rentals
  • HOA/COA master policies vs. individual unit owner policies
  • Short-term rentals (Airbnb, VRBO) may need special endorsements
  • Vacant or under-renovation risks require surplus lines
Loss History & Claims
  • Recent water damage, wind, or hurricane claims will affect pricing
  • Clean 5-year history = better options and pricing
  • Multiple claims may push you into surplus lines or Citizens
  • We'll explain what's realistic given your loss profile
Bottom line: We need the property address, construction details, roof condition, loss history (5 years), and current values. We'll tell you within a day whether we can quote it – and if we can, what deductibles and carriers to expect.
Deductibles & pricing

Understanding Florida Property Deductibles

Florida property insurance pricing is driven by construction, location, wind exposure, and deductible choice. Wind/hurricane deductibles are often percentage-based (2%, 5%, 10% of the building value), while AOP (all other perils) deductibles are typically flat dollar amounts.

We'll present options with different deductible combinations so you can balance premium savings against out-of-pocket exposure.

Common Deductible Structures

Wind / Hurricane Deductible
Usually 2%, 5%, or 10% of the building limit. For a $2M building, a 5% wind deductible = $100,000 you pay before insurance kicks in for a named storm.
All Other Perils (AOP) Deductible
Flat dollar amount ($1,000, $2,500, $5,000, $10,000, etc.). Applies to fire, theft, water damage, and most other covered losses (except named storms).
Flood Deductible
Separate policy (NFIP or private flood). Typically $1,000 - $10,000 flat or percentage-based depending on the carrier and flood zone.
Premium Factors
Age of roof, construction type, distance to coast, claims history, protective devices (impact windows, shutters), and the carrier's current appetite all influence pricing. We'll show you options with transparent breakdowns.
Why FXM Risk

Florida Property Insurance That Doesn't Leave You Guessing

We work with owners, HOAs, property managers, and investors across Florida. Our goal is simple: fast eligibility feedback, clear deductible options, and binding authority when you're ready.

1
Fast Eligibility Check

Send us the address, construction details, and loss history. We'll tell you within 24 hours if it's quotable and which carriers apply.

2
Clear Deductible Choices

We present side-by-side options showing premium vs. deductible trade-offs so you can choose what makes sense for your budget.

3
Binding Authority

We can bind coverage directly with many of our carriers – no waiting on underwriter approval once you say "go."

4
Admitted & Surplus Lines

We work with both admitted (regulated) and surplus lines (E&S) carriers, so we're not limited to one appetite or price point.

5
Flood Coordination

Need NFIP or private flood? We'll coordinate so your wind, property, and flood coverages align without gaps or overlaps.

6
Claims Support

When something happens, we help you navigate the claims process, coordinate with adjusters, and advocate for fair settlements.

Request a quote

Get a Florida Property Quote

Fill out the form and we'll follow up within one business day with eligibility feedback and next steps.

Prefer to email or call?

Email: andrew@fxmrisk.com
Phone: 917-538-6419

We'll respond within 1 business day.

Ready to Quote Your Florida Property Risk?

Whether you're a first-time buyer, renewing an existing policy, or shopping for better coverage and pricing, we're here to help. Reach out today for a fast eligibility check and transparent quote options.

Get a Quote Email Andrew Call 917-538-6419