Protect What Matters Most.
Florida homeowners insurance is complicated — wind, flood, and roof rules change fast. We make it simple and find you the strongest coverage for less.
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About Home Insurance
Home Insurance in Hialeah & South Florida
Owning a home in South Florida means protecting it against hurricanes, wind, water, and liability — all in one of the toughest insurance markets in the country. The difference between carriers can be thousands of dollars and the fine print on roof and wind coverage matters more here than almost anywhere else.
Kapital Insurance Group cuts through the confusion. We compare Florida-admitted and surplus carriers, explain your hurricane and wind deductibles in plain language, and structure a policy that satisfies your mortgage lender while keeping your premium as low as possible.
Why choose us
The Kapital advantage on home insurance
Hurricane & wind expertise
We explain wind/hurricane deductibles clearly and find carriers still writing strong coverage in your area.
Lender-ready policies
Need proof of insurance to close? We issue documents your mortgage company will accept the same day.
Bundle home + auto
Combining policies is one of the biggest discounts available — we'll quote it both ways.
Replacement-cost coverage
We push for replacement cost over actual cash value so you can truly rebuild after a loss.
What's covered
Coverage options built around you
We tailor your policy to your real needs — never more than you need, never less than you should have.
Dwelling (Coverage A)
Rebuilds the structure of your home after a covered fire, storm, or disaster.
Other Structures & Personal Property
Covers fences, sheds, and your belongings inside and outside the home.
Liability & Medical
Protects you if someone is injured on your property or you're held responsible for damage.
Loss of Use
Pays for temporary housing and expenses if your home becomes uninhabitable after a covered loss.
Wind / Hurricane
Critical in Florida — covers storm and named-hurricane damage, often with a separate deductible.
Near you
Home Insurance in your city
Dedicated local guidance for communities across Miami-Dade and Broward.
Questions, answered
Home Insurance — frequently asked questions
Common questions about home insurance in Florida, answered by our local team.
No — standard homeowners policies exclude flood. In South Florida we strongly recommend a separate flood policy, which we also offer and can bundle with your home coverage.
Hurricane risk, roofing litigation, and reinsurance costs drive premiums up statewide. Shopping multiple carriers is the single best way to control cost — which is exactly what we do for you.
Yes, significantly. Many Florida carriers limit coverage or raise rates on roofs older than 15 years. We know which carriers are most favorable based on your roof's age and condition.
Often yes. We work with multiple carriers, including specialty markets, so a past claim doesn't automatically price you out.
Loved by South Florida
Hundreds of neighbors, one trusted advisor
Here's what real clients say about working with Jenisffer and the Kapital team.
“Jenisffer saved me over $90 a month on my car insurance and explained everything in Spanish. The whole thing took fifteen minutes and I had my ID cards the same day. I've already sent my whole family to her.”
Maria G.
Hialeah · Auto Insurance
“I run a small delivery business and needed certificates fast to land a new contract. Kapital had everything ready within an hour. Professional, quick, and they actually answer the phone.”
Carlos R.
Doral · Commercial Auto Insurance
“Florida home insurance was stressing me out until I called Kapital. They found me a better policy for less and walked me through my hurricane deductible so I finally understood it. Highly recommend.”
Yanet P.
Miami Lakes · Home Insurance
Bundle & save
Related coverage
Combining policies with one agency is one of the easiest ways to lower your total cost.
Flood Insurance
Home and business policies exclude flood — and just an inch of water can cause tens of thousands in damage. We get you protected.
Get a quoteAuto Insurance
We compare Florida's top auto carriers in one quick call so you stop overpaying — full coverage, liability, and SR-22 made simple.
Get a quoteUmbrella Insurance
When a serious claim exceeds your auto or home limits, an umbrella policy protects your savings, home, and future income.
Get a quoteRenters Insurance
Your landlord's policy doesn't cover your stuff. For just a few dollars a month, we protect your belongings and your liability.
Get a quoteReady for better home insurance?
Compare top carriers in minutes and start saving today. Free, no-obligation, and bilingual.
Free & no obligation · Takes about 2 minutes · Hablamos español