Wind included
Hurricane wind isn't a separate policy or a separate deductible structure you have to figure out. It's in the coverage.
Florida Homeowners
Coverage for the storm path.
A purpose-built homeowners policy for high-value Florida homes — engineered around hurricane wind, surge, and the structural details that determine whether a roof stays on.
Create your Stand account.
Add your home details inside your account to request a Florida homeowners quote.
No payment required to start.
What's in the policy
A windstorm policy that actually pays.
Wind and surge built in. Replacement cost on the dwelling, no haircut. Loss-of-use during evacuation. Mitigation credits for the work you've already done — impact glass, fortified roof, hurricane straps.
Replacement cost dwelling
Full rebuild value with inflation guard. No depreciation games when the worst happens.
Mitigation credits
Premium credit for FORTIFIED roofing, impact glass, hurricane shutters, and straps — verified at inspection.
Civil authority evacuation
Up to 30 days of additional living expense when the county issues mandatory evacuation orders.
Worldwide personal property
Belongings covered at replacement cost wherever they are, with higher limits for valuables.
Built-in extras
Debris removal, sewage backup, landscaping, refrigerated property, data — bundled, not bolted on.
How we underwrite it
Physics, then a person.
Every Florida submission is run through our hurricane wind and surge simulator and then through a field inspection. We see the roof attachments, not just the address.
01
Wind modeled
The submission is evaluated against wind, surge, and structural details that drive real survivability.
02
Roof details matter
Inspection looks at roof shape, attachments, openings, impact protection, and retrofit quality.
03
Hardening rewarded
FORTIFIED roofs, straps, shutters, and impact glass can change the underwriting answer.