Protection You Can Count On from a Trusted Insurance Company in Florida
A trusted insurance company in florida helping families and businesses stay covered.
At Poncho Insurance, a trusted Insurance Company in Florida, we offer tailored solutions for auto, home, and commercial insurance. Our team is here to make coverage simple, affordable, and reliable — with personal support every step of the way.
Homeowners Insurance
An HO3 policy is a common type of homeowners insurance. It protects your home’s structure (dwelling) against all perils, except those specifically excluded in the policy. Your personal belongings are typically covered for named perils like fire, theft, and vandalism. It also includes liability coverage if someone is injured on your property and additional living expenses if you need to temporarily relocate due to a covered loss.
- Dwelling Coverage (Open Perils)
- Personal Property (Named Perils)
- Liability Protection
- Additional Living Expenses (ALE)
Starting at
$104/mo
Auto Insurance
Auto insurance protects you financially if you’re in a car accident. Key coverages include: Liability (covers damage/injuries you cause to others), Collision (covers damage to your car from an accident), Comprehensive (covers non-collision damage like theft or hail), Uninsured/Underinsured Motorist (protects you if the other driver has no/low insurance), and Medical Payments/PIP (covers medical expenses for you/passengers).
- Liability Coverage (Bodily Injury & Property Damage)
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist
Starting at
$85/mo
Umbrella Insurance
Get an extra layer of liability protection over your existing home and auto policies. Umbrella insurance kicks in when your primary policy limits are exhausted, covering large claims and lawsuits. Essential for protecting your assets and future earnings.
- Additional Liability Coverage
- Protection Beyond Standard Limits
- Covers Major Claims & Lawsuits
- Peace of Mind
Starting at
$40/mo
Flood Insurance
Standard homeowners insurance doesn’t cover flood damage. A separate flood policy protects your home and belongings from losses caused by flooding. Essential for properties in flood-prone areas, but beneficial for all homeowners as floods can happen anywhere.
- Building Property Coverage
- Personal Contents Coverage
- Typically NFIP or Private Policies
Starting at
$50/mo
Commercial Insurance
Commercial insurance protects your business from financial losses. This can include general liability (for injuries or property damage), commercial property (for your building and contents), commercial auto (for business vehicles), workers’ compensation (for employee injuries), and professional liability (errors and omissions). Coverages are tailored to your specific business risks and needs.
- General Liability
- Commercial Property
- Commercial Auto
- Workers' Compensation
Starting at
$100/mo
Boat Insurance
Boat insurance provides coverage for your watercraft, similar to auto insurance for your car. It can cover physical damage to your boat (hull, motor, equipment) from collision, theft, or storms. It also includes liability for bodily injury or property damage you might cause to others, medical payments for injuries, and coverage for uninsured/underinsured boaters. Specific coverages can include wreck removal and fuel spill liability.
- Physical Damage (Hull & Machinery)
- Liability Coverage
- Medical Payments
- Uninsured Watercraft
Starting at
$80/mo
Life Insurance
Protect your loved ones’ financial future. Life insurance provides a tax-free payout to your beneficiaries upon your passing, helping cover debts, living expenses, education costs, and final expenses. Options include Term Life and Whole Life.
- Term Life (Affordable, Specific Period)
- Whole Life (Lifelong, Cash Value)
- Financial Security for Beneficiaries
Starting at
$30/mo
Motorcycle Insurance
Ride with confidence knowing you’re protected. Motorcycle insurance covers liability for injuries and property damage, as well as damage to your bike from collision, theft, or other perils. Options include coverage for custom parts and gear.
- Liability Coverage
- Collision & Comprehensive
- Custom Parts & Equipment
- Uninsured/Underinsured Motorist
Starting at
$25/mo
Renters Insurance
Renters insurance protects your personal belongings (furniture, clothes, electronics) if you’re renting an apartment or house. It covers losses from events like fire, theft, vandalism, and certain water damage. It also provides liability coverage if someone is injured in your rental or you accidentally damage someone else’s property, and can cover additional living expenses if your rental becomes uninhabitable due to a covered loss.
- Personal Property Coverage
- Liability Protection
- Loss of Use/Additional Living Expenses
Starting at
$15/mo
Landlord Insurance
(Dwelling Fire)
Protect your rental property investment. Dwelling Fire policies (DP1, DP2, DP3) cover the structure from named perils like fire and vandalism. DP3 offers broader coverage. Options include liability and loss of rental income.
- Dwelling Coverage (DP1, DP2, DP3)
- Named Perils or Open Perils Options
- Liability Protection Available
- Loss of Rental Income Coverage
Starting at
$60/mo
Vacant Home Insurance
Specialized coverage for homes that are unoccupied for an extended period (typically 30-60+ days). Protects against risks like vandalism, fire, and weather damage when standard homeowners insurance may not apply.
- Protection for Unoccupied Properties
- Covers Vandalism & Malicious Mischief
- Named Perils Coverage
- Flexible Policy Terms
Starting at
$70/mo
Bundle & Save
Combine your home and auto insurance policies with Poncho Insurance and you could save up to 35%! Bundling not only saves you money but also simplifies your insurance management with one provider for your key assets. Enjoy convenience and significant savings.
- Save up to 35%
- Simplified Billing
- One Point of Contact
- Enhanced Coverage Options
Save up to 35%
Ready for an insurance company in Florida that actually makes sense?
Join thousands of others who have switched to Poncho Insurance, an Insurance Company in Florida offering simpler, more affordable coverage designed for how you actually live.