Florida home insurance arrives as a declarations page nobody explains. RenewalDecoder tells you what changed since last year, what your wind, flood and roof terms actually mean, and what to ask your agent before the due date.
Free decoder
The first two pages of the renewal are enough: coverages, deductibles, premium, endorsements. Paste last year's too if you have it and we'll compare.
Why this exists
Wind, flood and the base policy are three different things in Florida, and the roof clause decides whether you get a new roof or a cheque for an old one. The market finally softened in 2026 — but only for people who read the renewal and shopped.
How it works
Coverages, deductibles, endorsements, premium. Leave out the policy number and your address if you like.
Your hurricane deductible in dollars, what the roof schedule means for a claim, what's excluded, and what changed since last year.
Six questions for your agent, and on a paid plan the email already written — plus a link to re-shop on the state's own comparison tool.
Plans
The decoder stays free. Agents: the white-label plan turns it into the lead magnet on your own site.
Everything in the free version, plus the email to your agent and a side-by-side of two quotes or two years.
Every renewal, quote and notice for a year. For people with a home and a rental, or who shop every year.
RenewalDecoder with your agency's name and phone number as the 'talk to someone' step in every answer.
All prices in USD, handled by Stripe. RenewalDecoder is not an insurance agency and does not sell or recommend policies.
Built by the same team, free to try.