Local Coverage for Florida Weather, Wildlife & the Unexpected

Personalized Home Insurance for Florida Families

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Protect Your Home with the Right Coverage

Your home is more than a roof over your head—it’s where life happens. At Alise Williams Insurance, we help Florida homeowners protect their property with personalized coverage from top-rated carriers. Whether you’re buying your first home or updating an existing policy, we’ll walk you through your options and help you choose the right protection, without the pressure.

 What Does Home Insurance Cover?

A standard homeowners policy can help protect you from many common risks. We’ll tailor your policy to match your property, location, and budget.

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Dwelling Coverage

Repairs or rebuilds your home after damage from covered events like fire, wind, or lightning.

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Other Structures

Covers fences, sheds, and other structures not attached to your main home.

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Personal Property

Helps pay to replace belongings like furniture, electronics, and clothing if stolen or damaged.

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Liability Protection

Covers you if someone gets hurt on your property or you accidentally damage someone else’s property.

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Loss of Use

Pays for temporary housing if your home becomes unlivable due to a covered claim.

What Homeowners Need to Know

Living in Florida means protecting your home from more than just everyday mishaps. We help homeowners understand the special risks of our region:

  • Hurricane Wind & Storm Damage
    Most policies include wind coverage, but with separate deductibles. We'll help you review the details.

  • Flooding Isn’t Covered by Standard Policies
    If your home is in a flood-prone area or you want extra protection, we’ll guide you through your flood insurance options.

  • Roof Age & Claims History Matter
    Many Florida insurers consider your roof’s age and prior claims. We’ll find a carrier that fits your situation.
A man and a little girl are playing with a cardboard house.
A man and a little girl are playing with a cardboard house.

Ways to Save on Home Insurance

We’ll help you uncover discounts you might qualify for, including:

  • Bundle discounts (home + auto)
  • Wind mitigation features (storm shutters, hurricane clips, etc.)
  • Alarm and fire protection systems
  • Claims-free history
  • Newer or recently updated roof

Why Homeowners Choose Us

01

We Shop Multiple Carriers for You

As an independent agency, we compare options from leading insurers to get you the right fit—not just the first quote.

02

Local Advice from Local People

We live in Florida, too. We understand what risks you face and how to cover them properly.

03

Quick Help When You Need It Most

From claims support to policy reviews, we’re available by phone, text, email—or right here in the office.

Home Insurance FAQs for Ocala

  • Is homeowners insurance required in Florida?

    It’s not required by law, but your mortgage lender will likely require it. Even if you own your home outright, it's smart protection.

  • Does home insurance cover hurricane damage?

    Most Florida policies cover wind damage, but you’ll have a special hurricane deductible. We’ll help you understand how that works.

  • Do I need flood insurance, too?

    Flooding is not covered under standard home insurance. We’ll check your flood zone and recommend affordable options if needed.

  • What does liability coverage include?

    It helps protect you if someone is injured on your property or if you accidentally damage another person’s belongings.

  • Can I bundle my home and auto insurance?

    Yes—most of our carriers offer bundling discounts when you combine policies. It’s a great way to save.

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Get Coverage That Feels Like Home

You deserve a homeowners policy that fits—not just in price, but in peace of mind. Let us help you compare options and choose the right protection for your home and your future.