An insurance company in Florida built for your generation
As a trusted Insurance Company in Florida, we provide property and casualty coverage designed for digital natives. No jargon, no hidden fees, just straightforward protection for the things you care about.
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INSURANCE SIMPLIFIED
Simple, Strong, Smart — Your Trusted Insurance Company in Florida
Getting insured shouldn’t be complicated. Our streamlined process gets you covered in just a few minutes.
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Answer a few simple questions about your needs and get an instant, personalized quote.
Customize Your Coverage
Adjust your deductibles, coverage limits, and add-ons to create the perfect plan for you.
Instant Protection
Complete your purchase online and get coverage immediately with digital proof of insurance.
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Frequently Asked Questions
Got questions? We’ve got answers. If you don’t see what you’re looking for, reach out to our support team.
How quickly can I get coverage?
Super fast! Most of our clients get covered right after they finish their online purchase. We’ll email your policy documents to you right away, and you can always find them in our app or on our website.
Is Poncho Insurance accepted by all major lenders?
Yes! Poncho Insurance policies are widely accepted by all major mortgage lenders and financial institutions. We provide standard, compliant insurance documentation that meets lender requirements, ensuring a smooth process for your home purchase or refinancing.
How do we pay for the insurance?
Paying for your Poncho Insurance policy is flexible. You can pay using a major credit card directly through our secure online portal or app. For homeowners insurance, you also have the option to pay through your mortgage escrow account. Simply provide us with your mortgagee clause and loan number, and we’ll coordinate with your lender.
Can I customize my coverage limits?
Totally! We believe your insurance should fit you, not the other way around. When you get a quote, you can easily play around with coverage limits to find what’s best for your needs and budget.
How do I file a claim?
It’s easy with Poncho Insurance. You can file a claim anytime, day or night, using our app or website. Just log in, hit ‘File a Claim,’ and we’ll guide you. Our team usually gets back to you in hours, not days!
Are there discounts for bundling policies?
Yes, and it’s a great deal! If you bundle policies, like your home and auto insurance, you can save up to 20%. Plus, it makes life easier with one company, one bill, and one claims process.
Is my home covered if it floods?
Yes, if you purchase a separate flood policy from us. Standard homeowners insurance doesn’t typically cover flood damage, but don’t worry! We can help you get a flood policy through the National Flood Insurance Program (NFIP) or other private insurers. Let’s chat about your flood risk!
Can I add roommates to my renters insurance?
You sure can. You can add a roommate or partner to your policy so their stuff is covered too. However, sometimes it’s better for each roommate to have their own policy for the most complete protection. We can help you figure out what’s best!
What does 'dwelling coverage' on my home policy mean?
Dwelling coverage helps pay to rebuild or repair the physical structure of your home if it’s damaged by a covered event, like a fire or windstorm. This includes the walls, roof, foundation, and attached structures like a garage.
What is 'liability coverage' in auto insurance?
Liability coverage helps pay for injuries or property damage you cause to others in a car accident for which you are at fault. It usually has two parts: Bodily Injury (BI) for medical expenses and Property Damage (PD) for vehicle repairs.
What is an Umbrella Insurance policy?
An umbrella policy provides an extra layer of liability protection above the limits of your existing home and auto policies. If a claim exceeds your primary policy limits, your umbrella coverage kicks in. It’s great for added peace of mind, especially if you have significant assets.
What kind of Commercial Insurance do I need for my small business?
It depends on your business type! Common coverages include General Liability (for third-party injuries/damage), Commercial Property (for your building/equipment), and Workers’ Compensation (if you have employees). We can help assess your specific risks and find the right package.
Is my expensive engagement ring covered by my home insurance?
Standard home insurance policies often have limits for valuable items like jewelry. While some coverage might be there, it might not be enough for high-value pieces. We recommend a ‘jewelry floater’ or ‘scheduled personal property’ endorsement to ensure it’s fully covered for its appraised value against more perils.
Why do I need Life Insurance?
Life insurance provides financial security for your loved ones if you pass away. The death benefit can help cover funeral expenses, mortgage payments, outstanding debts, college tuition, or replace lost income, ensuring your family’s financial stability during a difficult time.
What does Boat Insurance typically cover?
Boat insurance can cover physical damage to your boat (hull, motor, trailer), liability for injuries or damage you cause to others, medical payments, and even emergency assistance like towing. Coverage options can be tailored to your boat type and how you use it.
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