Home coverage that
survives storm season.
Wind, flood zones, the HOA, that one carrier that just bailed on Florida — we handle all of it because we live here too. Luna shops your home across the companies still writing in Miami and re-shops it before every storm season.
Comparing real home quotes from Florida's top carriers
Coverage, translated into human.
From the roof to the rug — here's what a Florida home policy actually protects when the next named storm spins up in the Gulf.
Dwelling — rebuild your home
Pays to rebuild your house at today's Florida lumber-and-labor prices — not the 2014 number on your closing docs. We size it right so you're never caught short.
Check dwelling limits →Wind & hurricane
The big one down here. We spell out your named-storm deductible in real dollars and make sure hurricane damage is actually covered, not quietly carved out.
Personal property
Furniture, the TV, the whole closet — replaced at what it costs to buy new today, not some depreciated nickel-on-the-dollar.
Insure your stuff →Personal liability
Someone slips by your pool or your dog gets bold — this covers the lawsuit and the bills so a backyard cookout doesn't bankrupt you.
See liability →The Florida add-ons that save the day.
Flood, screened enclosure, water backup, valuables — the stuff standard policies quietly exclude. We flag what your zip code actually needs before you learn the hard way.
She watches your renewal
so you don't have to.
Tell Luna about your place once. She shops the carriers still writing in Florida, re-shops before every storm season, and lines up a local advisor to confirm it — no call-center runaround.
We speak
hurricane.
Separate wind deductibles, flood zones, 4-point inspections, HOA master-policy gaps — the Florida stuff that trips up out-of-state carriers. We handle it like we handle our own homes, because we do.
The questions every Florida homeowner asks.
"After Ian our old carrier dropped us, and I panicked. wyn had three new quotes within a day and walked me through the wind deductible like a real person. I finally understand my own policy."
Ready to storm-proof your coverage?
Get a home quote in minutes — or unlock member rates and dark mode with 305.