Frequently Asked
Questions

An independent agency like Nymble represents multiple insurance carriers rather than a single company. This means we shop your coverage across 90+ Florida-licensed carriers to find the best combination of coverage, price, and carrier stability for your specific situation. We work for you, not for any one insurance company.

Nothing. Our services are free to you. Nymble earns a commission from the carrier that writes your policy — the same commission that carrier would pay any agent. Your premium is the same whether you buy through Nymble, through another agent, or directly from the carrier.

Most property quotes take 1-2 business days. Straightforward homes with recent wind mitigation inspections and clean claims history can often be quoted same-day. Commercial and specialty quotes may take 3-5 business days depending on complexity.

We strongly recommend it for every Florida property, regardless of flood zone. Standard homeowners policies do not cover flood damage. Approximately 25-30% of flood claims nationally come from properties outside high-risk flood zones. Florida’s flat terrain, high water table, and intense rainfall make flooding a real risk everywhere in the state.

A wind mitigation inspection evaluates your home’s hurricane-resistant construction features — roof shape, roof-to-wall connections, opening protection, and secondary water resistance. Florida law requires carriers to offer premium discounts for qualifying features. A single inspection (typically $75-150) can save you 30-50% on your annual premium.

HO-3 is a standard homeowners policy for single-family homes. It covers the dwelling structure, personal property, liability, and additional living expenses. HO-6 is a condo unit owner’s policy that covers the interior of your unit, personal property, and liability — while your condo association’s master policy covers the building’s structure and common areas.

Florida homeowners policies have a separate hurricane deductible, typically expressed as a percentage (2%, 5%, or 10%) of your dwelling coverage limit. For example, a 2% hurricane deductible on a home insured for $400,000 means you’d pay the first $8,000 of a hurricane claim. Choosing a higher hurricane deductible lowers your annual premium but increases your out-of-pocket cost in a claim.

Citizens is Florida’s state-created insurer of last resort. It provides property coverage for homeowners who cannot find coverage in the private market. Citizens is not a government agency — it’s a government-sponsored enterprise. If you’re currently on Citizens, the private market may now have better options for your property, especially if you’ve updated your roof or added wind mitigation features.

Yes. You can switch carriers at any time, not just at renewal. Your old carrier will refund the unused portion of your premium on a prorated basis. However, switching at renewal is cleanest because there’s no refund to coordinate. We recommend shopping your coverage 30-60 days before renewal.

If your homeowners insurance lapses or is cancelled, your mortgage lender will purchase a force-placed (or lender-placed) policy on your behalf. Force-placed policies are significantly more expensive than standard coverage and typically provide minimal protection — they protect the lender’s interest in the property, not your personal belongings or liability. If you’ve been force-placed, contact Nymble immediately to find proper coverage.

Replacement cost pays to repair or replace damaged property at current prices without deducting for depreciation. Actual cash value (ACV) pays the depreciated value of the damaged item — what it was worth at the time of loss, not what it costs to replace. Replacement cost coverage costs more but provides significantly better claim settlements.

An umbrella policy provides excess liability coverage above your home and auto policy limits. If you have significant assets to protect, a pool, waterfront property, rental properties, or teenage drivers, an umbrella policy is strongly recommended. Umbrella policies typically start at $1 million in coverage and are relatively affordable — often $200-400 per year.

DP-3 (Dwelling Fire Policy — Special Form) is the standard policy for rental and investment properties. It covers the dwelling structure, other structures, and fair rental value (loss of rental income). Unlike HO-3, DP-3 does not cover the tenant’s personal property or the tenant’s liability — tenants need their own renter’s insurance.

Contact your insurance carrier directly using the claims phone number on your declarations page. You can also contact Nymble and we’ll help you initiate the process and advocate on your behalf. Document all damage with photos and video before making repairs, save receipts for emergency repairs, and don’t dispose of damaged items until the adjuster has inspected them.

Yes. Nymble Insurance serves all 67 Florida counties, from Escambia in the Panhandle to Monroe in the Keys. Whether you’re in downtown Miami, rural North Florida, or anywhere in between, we have carriers that write in your area.