Why PFS Realty · Insurance

Get the insurance quote before you make the offer.

In Florida, the insurance premium can decide whether a property's numbers work. We quote the policy early, place the coverage your lender and your HOA require, and have it active the day you close.

PFS Realty advisor reviewing floor plans with investors

In-houseinsurance, placed by our team

Why it matters

What the right policy covers

A policy that's wrong for the property shows up later: as a lender condition the week before closing, as a gap the building's master policy doesn't cover, or as a loss during a tenancy the policy wasn't written for. We match the coverage to how the property is actually used.

Who we insure

New purchases, homes you already own, properties managed elsewhere

We look at the property's location, construction, value and use, and quote coverage from carriers writing policies in Florida.

Get a quote for my property
Our process

Four steps to a policy

We do the paperwork; you approve the quote.

01

The property

Type, location, value and use: your home, a long-term rental or a short-term rental.

02

The requirements

What your lender, your HOA and Florida require, and what's left up to you.

03

The quotes

Coverage options from carriers writing in Florida, side by side.

04

The policy

We bind it and put the documents in your closing file.

The rest of the job

Insurance is one of four things we handle

The team that insures the property can also finance it, close it and manage it, so the policy, the loan and the lease all match.

Handing over keys after closing on an insured property in Miami
Miami
Questions first

Get the insurance number before you make the offer.

Tell us about the property you're buying, own or manage. An advisor will text you back to start the quote.