Windstorm insurance can be purchased through your local insurance agent who represents multiple companies or through a captive insurance agent who is affiliated with one company such as State Farm Insurance. Either type of insurance agent will be able to inform you of your insurance choices.

There are also insurance companies that deal directly with the public such as GEICO, Progressive, Amica Mutual to name just a few, and they may be able to provide you with the proper insurance coverage. USAA is a direct writing insurance company available to members of the military and their families.

Because there are very few private insurance companies writing windstorm policies for Monroe County, the vast majority of policies here are written by Citizens Property Insurance Corp. (Citizens). Citizens was created in 2002 to provide both windstorm  coverage and general property insurance for homeowners who could not obtain insurance elsewhere. It was established by the Florida Legislature as a not-for-profit insurer of last resort.

The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA), which works closely with more than  59 private  insurance companies to  offer flood  insurance  to homeowners, renters, and business owners.

In order to qualify for flood insurance, the home or business must be in a community that has joined the NFIP and agreed to enforce sound floodplain management standards. Flood insurance can be purchased through the same outlets listed above for windstorm insurance, but all flood policies are provided by the NFIP.

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