{"id":49,"date":"2026-05-20T17:56:35","date_gmt":"2026-05-20T21:56:35","guid":{"rendered":"http:\/\/rtcinsurance.wordpress.com\/?p=49"},"modified":"2026-10-19T20:45:34","modified_gmt":"2026-10-20T00:45:34","slug":"florida-health-insurance-providers-available-carriers-in-florida","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/florida-health-insurance-providers-available-carriers-in-florida\/","title":{"rendered":"Florida Home Insurance Providers: Understanding Available Carriers in Florida"},"content":{"rendered":"<p><em>This article has been repurposed to reflect our current focus on Florida homeowners insurance.<\/em><\/p>\n<p>Florida\u2019s home insurance market is one of the most complex in the country. With frequent hurricanes, rising construction costs, and ongoing carrier changes, homeowners often struggle to understand which insurance companies are available \u2014 and which ones are the best fit for their home.<\/p>\n<p>This guide breaks down the types of home insurance providers operating in Florida, how they differ, and what homeowners should consider when choosing a carrier.<\/p>\n<div id=\"rtci-wrapper\" style=\"display:block;width:100%;box-sizing:border-box;\">\r\n\r\n<!-- Badges \/ Tumble -->\r\n<div style=\"text-align:center;margin:30px 0;\">\r\n  <div class=\"tumble\" style=\"display:inline-flex;gap:12px;flex-wrap:wrap;align-items:center;\">\r\n    <a href=\"https:\/\/www.robertcolucci.com\/reviews\/\" target=\"_blank\" rel=\"noopener\">\r\n      <img decoding=\"async\" src=\"https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/08\/google-rating-5-star.webp\" alt=\"Google 5-Star Rating\" style=\"height:50px;width:auto;\">\r\n    <\/a>\r\n\t\t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Licensed Florida Insurance Agent<\/div>\r\n    \t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Serving Florida Since 2008<\/div>\r\n    \t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Trusted by Realtors & Loan Officers<\/div>    \r\n    \t<a href=\"tel:3522002066\" style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px;color:#000;text-decoration:none;\">Call: 352\u2011200\u20112066<\/a>\r\n  <\/div>\r\n<\/div>\r\n\r\n<!-- Unified Anchor -->\r\n<div id=\"quoteform\"><\/div>\r\n\r\n<style>\r\n.rtci-form {\r\n    max-width:650px;\r\n    margin:0 auto;\r\n    padding:30px;\r\n    border-radius:12px;\r\n    background:#fff;\r\n    box-shadow:\r\n        0 3px 6px rgba(0,0,0,0.08),\r\n        0 10px 20px rgba(0,0,0,0.06),\r\n        0 20px 40px rgba(0,0,0,0.05);\r\n    border:1px solid #e6e6e6;\r\n}\r\n\r\n.rtci-step{display:none}\r\n.rtci-step.rtci-active{display:block}\r\n\r\n.rtci-row{margin-bottom:15px}\r\n.rtci-row label{display:block;font-weight:700;margin-bottom:5px}\r\n\r\n.rtci-row input,\r\n.rtci-row select,\r\n.rtci-row textarea {\r\n    width:100%;\r\n    padding:10px;\r\n    font-size:16px;\r\n    border:1px solid #ccc;\r\n    border-radius:6px;\r\n}\r\n\r\ninput:focus,\r\ntextarea:focus,\r\nselect:focus {\r\n    outline:none!important;\r\n    border:2px solid #007bff!important;\r\n    box-shadow:0 0 4px rgba(0,123,255,0.4)!important;\r\n    transition:border-color .2s ease,box-shadow .2s ease;\r\n}\r\n\r\n.rtci-next,.rtci-prev,.rtci-submit{\r\n    padding:12px 20px;\r\n    font-size:16px;\r\n    margin-top:10px;\r\n    cursor:pointer;\r\n    border:none;\r\n    border-radius:6px;\r\n    background:#07c;\r\n    color:#fff;\r\n}\r\n.rtci-prev{background:#555}\r\n\r\n.rtci-progress{\r\n    width:100%;\r\n    height:8px;\r\n    background:#e5e5e5;\r\n    border-radius:4px;\r\n    margin-bottom:20px;\r\n    overflow:hidden\r\n}\r\n.rtci-progress-bar{\r\n    height:8px;\r\n    width:0;\r\n    background:#07c;\r\n    transition:width .3s ease\r\n}\r\n\r\ninput:-webkit-autofill,\r\ntextarea:-webkit-autofill,\r\nselect:-webkit-autofill {\r\n    -webkit-box-shadow:0 0 0px 1000px #fff inset!important;\r\n    box-shadow:0 0 0px 1000px #fff inset!important;\r\n    background-color:#fff!important;\r\n    color:#000!important;\r\n}\r\n\r\n.rtci-submit.processing {\r\n    background: #28a745 !important; \/* green *\/\r\n    cursor: not-allowed;\r\n    opacity: 0.85;\r\n}\r\n<\/style>\r\n\r\n<div class=\"flip\">\r\n<div class=\"rtci-form\">\r\n<h2>Get Florida Home Insurance Quotes<\/h2>\r\n\r\n<div class=\"rtci-progress\">\r\n    <div class=\"rtci-progress-bar\" id=\"rtci-progress-bar\"><\/div>\r\n<\/div>\r\n\r\n<form id=\"rtci-home-form\" action=\"\/blog\/forms\/send-homeowners.php\" method=\"POST\">\r\n<input type=\"text\" name=\"website\" style=\"display:none;\">\r\n\r\n<!-- STEP 1 -->\r\n<div class=\"rtci-step rtci-active\">\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"driver_first\">First Name:<\/label>\r\n    <input name=\"driver_first\" id=\"driver_first\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"driver_last\">Last Name:<\/label>\r\n    <input name=\"driver_last\" id=\"driver_last\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"phone\">Phone Number:<\/label>\r\n    <input name=\"phone\" id=\"phone\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"email\">Email Address:<\/label>\r\n    <input type=\"email\" name=\"email\" id=\"email\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"dob\">Date of Birth:<\/label>\r\n    <input type=\"date\" name=\"dob\" id=\"dob\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_street\">Street Address You Want Quoted:<\/label>\r\n    <input name=\"address_street\" id=\"address_street\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_city\">City:<\/label>\r\n    <input name=\"address_city\" id=\"address_city\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_state\">State:<\/label>\r\n    <input type=\"text\" name=\"address_state\" id=\"address_state\" value=\"Florida\" readonly required \r\n           style=\"width:100%;padding:10px;background:#f0f0f0;\">\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_zip\">ZIP Code:<\/label>\r\n    <input name=\"address_zip\" id=\"address_zip\" required>\r\n<\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n<\/div>\r\n\r\n<!-- STEP 2 -->\r\n<div class=\"rtci-step\">\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"stories\">Number of Floors:<\/label>\r\n    <select name=\"stories\" id=\"stories\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"1\">1 Story<\/option>\r\n      <option value=\"2\">2 Stories<\/option>\r\n      <option value=\"3\">3 Stories<\/option>\r\n      <option value=\"4+\">4 or More Stories<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"square_feet\">Approx. Heated Square Footage: (Living Area)<\/label>\r\n    <input type=\"text\" name=\"square_feet\" id=\"square_feet\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"construction\">Construction Type:<\/label>\r\n    <select name=\"construction\" id=\"construction\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"ConcreteBlock\">Concrete Block<\/option>\r\n      <option value=\"WoodFrame\">Wood Frame<\/option>\r\n      <option value=\"Brick Veneer\">Brick Veneer<\/option>\r\n      <option value=\"Mixed\">Mixed Block\/Frame<\/option>\r\n      <option value=\"SteelFrame\">Steel Frame<\/option>\r\n      <option value=\"Unsure\">Unsure<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"roof_year\">Roof Year:<\/label>\r\n    <input type=\"text\" name=\"roof_year\" id=\"roof_year\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"policy_type\">What Type of Policy Do You Need?<\/label>\r\n    <select name=\"policy_type\" id=\"policy_type\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Primary Home (HO-3)\">Primary Home (HO\u20113)<\/option>\r\n      <option value=\"Secondary Home (HO-3)\">Secondary Home (HO\u20113)<\/option>\r\n      <option value=\"Condo Unit-Owners (HO-6)\">Condo Unit\u2011Owners (HO\u20116)<\/option>\r\n      <option value=\"Tenant Occupied Home (DP-3)\">Tenant Occupied Home (DP\u20113)<\/option>\r\n      <option value=\"Flood Only\">Flood Only<\/option>\r\n      <option value=\"Flood + Homeowners\">Flood + Homeowners<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n  <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n<\/div>\r\n\r\n<!-- STEP 3 -->\r\n<div class=\"rtci-step\">\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"claims\">Number of home or flood claims\/losses in 5 years:<\/label>\r\n    <select name=\"claims\" id=\"claims\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Zero\">Zero<\/option>\r\n      <option value=\"Yes - 1 claim\">Yes - 1 claim<\/option>\r\n      <option value=\"Yes - 2 claims\">Yes - 2 claims<\/option>\r\n      <option value=\"Yes - 3+ claims\">Yes - 3+ claims<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"current_insurance\">Do you have current insurance on home?<\/label>\r\n    <select name=\"current_insurance\" id=\"current_insurance\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Yes\">Yes<\/option>\r\n      <option value=\"No\">No<\/option>\r\n      <option value=\"New Purchase\">Not Yet (New Purchase)<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n  <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n<\/div>\r\n\r\n<!-- STEP 4 -->\r\n<div class=\"rtci-step\">\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"dwelling_limit\">Dwelling Coverage: (What It Costs to Rebuild Your Home)<\/label>\r\n    <input type=\"text\" name=\"dwelling_limit\" id=\"dwelling_limit\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"liability_limit\">Liability Limit:<\/label>\r\n    <select name=\"liability_limit\" id=\"liability_limit\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"$100,000\">$100,000<\/option>\r\n      <option value=\"$300,000\">$300,000<\/option>\r\n      <option value=\"$500,000\">$500,000<\/option>\r\n      <option value=\"Unsure\">Unsure - Recommend<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"hurricane_deductible\">Hurricane Deductible: (% of Dwelling Limit)<\/label>\r\n    <select name=\"hurricane_deductible\" id=\"hurricane_deductible\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"2%\">2%<\/option>\r\n      <option value=\"5%\">5%<\/option>\r\n      <option value=\"10%\">10%<\/option>\r\n      <option value=\"ExWind\">Exclude Wind<\/option>\r\n      <option value=\"Unsure\">Unsure - Recommend<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"aop_deductible\">All Other Perils Deductible:<\/label>\r\n    <select name=\"aop_deductible\" id=\"aop_deductible\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"$500\">$500<\/option>\r\n      <option value=\"$1000\">$1000<\/option>\r\n      <option value=\"$2500\">$2500<\/option>\r\n      <option value=\"$5000\">$5000<\/option>\r\n      <option value=\"Unsure\">Unsure - Recommend<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"notes\">Additional Notes:<\/label>\r\n    <textarea name=\"notes\" id=\"notes\" rows=\"4\"><\/textarea>\r\n  <\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n  <button type=\"submit\" class=\"rtci-submit\">Submit Quote<\/button>\r\n<\/div>\r\n\r\n<div style=\"margin-top:12px;font-size:13px;color:#555;line-height:1.5;\">\r\n  Your information stays private and only used for your quote.  \r\n<\/div>\r\n\r\n<\/form>\r\n<\/div>\r\n<\/div>\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n  let step = 0;\r\n  const steps    = document.querySelectorAll(\".rtci-step\");\r\n  const nextBtns = document.querySelectorAll(\".rtci-next\");\r\n  const prevBtns = document.querySelectorAll(\".rtci-prev\");\r\n  const bar      = document.getElementById(\"rtci-progress-bar\");\r\n\r\n  function updateBar() {\r\n    const total = steps.length;\r\n    bar.style.width = ((step + 1) \/ total * 100) + \"%\";\r\n  }\r\n\r\n  function showStep(n) {\r\n    steps.forEach(s => s.classList.remove(\"rtci-active\"));\r\n    steps[n].classList.add(\"rtci-active\");\r\n    updateBar();\r\n\r\n    const anchor = document.querySelector(\"#quoteform\");\r\n    if (anchor) {\r\n      window.scrollTo({ top: anchor.offsetTop - 20, behavior: \"smooth\" });\r\n    }\r\n  }\r\n\r\n  function validateStep(n) {\r\n    const required = steps[n].querySelectorAll(\"input[required],select[required]\");\r\n    for (let field of required) {\r\n      if (!field.value.trim()) {\r\n        field.style.borderColor = \"red\";\r\n        field.focus();\r\n        return false;\r\n      }\r\n      field.style.borderColor = \"#ccc\";\r\n    }\r\n    return true;\r\n  }\r\n\r\n  nextBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (!validateStep(step)) return;\r\n      step++;\r\n      if (step >= steps.length) step = steps.length - 1;\r\n      showStep(step);\r\n    });\r\n  });\r\n\r\n  prevBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      step--;\r\n      if (step < 0) step = 0;\r\n      showStep(step);\r\n    });\r\n  });\r\n\r\n  \/* -------------------------------------------------\r\n     \u2b50 FIXED: NO SCROLL ON PAGE LOAD\r\n     ------------------------------------------------- *\/\r\n  updateBar();\r\n  steps[0].classList.add(\"rtci-active\");\r\n\r\n  \/* -------------------------------------------------\r\n     \u2b50 SUBMIT LOCK\r\n     ------------------------------------------------- *\/\r\n  const form = document.getElementById(\"rtci-home-form\");\r\n  const submitBtn = document.querySelector(\".rtci-submit\");\r\n\r\n  form.addEventListener(\"submit\", function() {\r\n    submitBtn.classList.add(\"processing\");\r\n    submitBtn.textContent = \"Submitting...\";\r\n    submitBtn.disabled = true;\r\n  });\r\n\r\n});\r\n<\/script>\r\n<\/div>\n<h2>Types of Home Insurance Providers in Florida<\/h2>\n<p>Florida\u2019s insurance landscape includes several categories of carriers, each serving different needs and risk levels.<\/p>\n<h3>1. Private Home Insurance Carriers<\/h3>\n<p>Private insurers make up the majority of Florida\u2019s home insurance market. These companies offer competitive pricing and broad coverage options when your home meets their underwriting requirements.<\/p>\n<p><strong>Private carriers are ideal for homeowners with:<\/strong><\/p>\n<ul>\n<li>Newer roofs (<a href=\"https:\/\/www.robertcolucci.com\/roof-underwriting-changes\/\" target=\"_blank\" rel=\"noopener\">roof underwriting changes<\/a>)<\/li>\n<li>Strong wind mitigation features (<a href=\"https:\/\/www.robertcolucci.com\/wind-mitigation-inspection-florida\/\" target=\"_blank\" rel=\"noopener\">wind mitigation inspection<\/a>)<\/li>\n<li>Updated electrical, plumbing, and HVAC (<a href=\"https:\/\/www.robertcolucci.com\/four-point-inspection-florida\/\" target=\"_blank\" rel=\"noopener\">four\u2011point overview<\/a>)<\/li>\n<li>Block construction<\/li>\n<\/ul>\n<p>These carriers often provide the best combination of price, coverage, and stability.<\/p>\n<h3>2. Citizens Property Insurance Corporation<\/h3>\n<p>Citizens is Florida\u2019s state\u2011backed insurer of last resort. It provides coverage when private carriers are unavailable or unaffordable.<\/p>\n<p><strong>You may qualify for Citizens if:<\/strong><\/p>\n<ul>\n<li>No private carriers will insure your home<\/li>\n<li>An eligible private-market offer is not available within the applicable Citizens eligibility threshold<\/li>\n<\/ul>\n<p>Citizens may provide an option for eligible homeowners, subject to its underwriting and eligibility rules.<\/p>\n<h3>3. Surplus Lines Carriers<\/h3>\n<p>Surplus lines insurers offer coverage for homes that fall outside standard underwriting guidelines. These carriers are often used when:<\/p>\n<ul>\n<li>The roof is too old<\/li>\n<li>The home is in a high\u2011risk coastal zone<\/li>\n<li>The property has multiple prior claims<\/li>\n<li>The home has unique or non\u2011standard construction<\/li>\n<\/ul>\n<p>While surplus lines policies may cost more, they provide solutions when traditional carriers decline coverage.<\/p>\n<h3>4. Specialty and Niche Carriers<\/h3>\n<p>Some insurers focus on specific types of homes or risks, such as:<\/p>\n<ul>\n<li>High\u2011value homes<\/li>\n<li>Coastal properties<\/li>\n<li>Seasonal or vacation homes<\/li>\n<li>Rental properties<\/li>\n<\/ul>\n<p>These carriers may offer tailored coverage options that better fit unique property needs.<\/p>\n<h2>What Determines Which Carriers Are Available to You?<\/h2>\n<p>Carrier availability varies significantly across Florida. Factors that influence eligibility include:<\/p>\n<ul>\n<li><strong>County and ZIP code<\/strong> \u2014 coastal areas have fewer options<\/li>\n<li><strong>Roof age and condition<\/strong> (<a href=\"https:\/\/www.robertcolucci.com\/roof-underwriting-changes\/\" target=\"_blank\" rel=\"noopener\">roof underwriting changes<\/a>)<\/li>\n<li><strong>Wind mitigation features<\/strong> (<a href=\"https:\/\/www.robertcolucci.com\/wind-mitigation-inspection-florida\/\" target=\"_blank\" rel=\"noopener\">wind mitigation inspection<\/a>)<\/li>\n<li><strong>Home updates<\/strong> (electrical, plumbing, HVAC) (<a href=\"https:\/\/www.robertcolucci.com\/four-point-inspection-florida\/\" target=\"_blank\" rel=\"noopener\">four\u2011point overview<\/a>)<\/li>\n<li><strong>Construction type<\/strong> (block vs. frame)<\/li>\n<li><strong>Claims history<\/strong><\/li>\n<\/ul>\n<p>Two homes in the same neighborhood can have completely different carrier options based on these factors.<\/p>\n<h2>How to Compare Florida Home Insurance Providers<\/h2>\n<p>When evaluating carriers, consider:<\/p>\n<ul>\n<li><strong>Financial strength<\/strong> \u2014 stability matters in Florida\u2019s market<\/li>\n<li><strong>Claims handling reputation<\/strong><\/li>\n<li><strong>Coverage options and endorsements<\/strong><\/li>\n<li><strong>Deductible choices<\/strong> (<a href=\"https:\/\/www.robertcolucci.com\/florida-home-insurance-deductibles\/\" target=\"_blank\" rel=\"noopener\">deductible guide<\/a>)<\/li>\n<li><strong>Discount availability<\/strong><\/li>\n<li><strong>Underwriting guidelines<\/strong> (<a href=\"https:\/\/www.robertcolucci.com\/carrier-appetite-patterns\/\" target=\"_blank\" rel=\"noopener\">carrier appetite patterns<\/a>)<\/li>\n<\/ul>\n<p>Price is important, but reliability and coverage quality matter even more.<\/p>\n<h2>Why Work With an Independent Agent?<\/h2>\n<p>Florida\u2019s insurance market changes constantly. As an independent agent, I can:<\/p>\n<ul>\n<li>Compare multiple carriers at once<\/li>\n<li>Explain coverage differences<\/li>\n<li>Identify discounts<\/li>\n<li>Match your home with the right underwriting guidelines<\/li>\n<li>Help you avoid unstable or restrictive carriers<\/li>\n<\/ul>\n<p>This helps you compare coverage and pricing based on available carrier options.<\/p>\n<h2>Get Localized Carrier Availability<\/h2>\n<p>Carrier options vary by region. For county\u2011specific insights and availability, visit my <a href=\"https:\/\/rtcinsuranceadvisors.com\/home-insurance-by-county.htm\">Florida Counties We Serve<\/a> page.<\/p>\n<h2>Final Thoughts<\/h2>\n<p>Florida homeowners have access to a mix of private carriers, state\u2011backed options, surplus lines insurers, and specialty companies. Understanding how these carriers differ \u2014 and which ones are available in your area \u2014 is essential for securing the right coverage. With the help of an independent agent, you can confidently choose a provider that fits your home and budget.<\/p>\n<p><strong>Robert Colucci is an independent insurance agent. Carrier availability varies by location and underwriting guidelines.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This article has been repurposed to reflect our current focus on Florida homeowners insurance. Florida\u2019s home insurance market is one of the most complex in the country. With frequent hurricanes, rising construction costs, and ongoing carrier changes, homeowners often struggle to understand which insurance companies are available \u2014 and which ones are the best fit&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[3],"tags":[384,4,393,383],"class_list":["post-49","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance","tag-compare-home-insurance-companies","tag-florida-home-insurance","tag-florida-insurance-carriers","tag-home-insurance-providers"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/49","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=49"}],"version-history":[{"count":7,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/49\/revisions"}],"predecessor-version":[{"id":3896,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/49\/revisions\/3896"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=49"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=49"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=49"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}