Insurance in Key West, Florida
Key West is the southernmost city in the continental United States, a 2x4 mile island at the end of the Florida Keys. The city’s historic Old Town, ocean-surrounded geography, and hurricane exposure create Florida’s most extreme insurance market.
The Key West Insurance Market
Key West’s insurance market is the most expensive and limited in Florida. Every property is surrounded by water with direct hurricane exposure. Historic Old Town homes, conch houses, and modern condos all face premium rates. Nymble’s access to specialty carriers and surplus lines markets is essential for Key West property owners.
Coverage for Key West Residents
As a coastal community, Key West residents should prioritize windstorm and flood coverage given direct hurricane exposure. Most homeowners need an HO-3 policy. Condo owners need HO-6. Flood insurance is strongly recommended regardless of zone. Nymble shops 90+ carriers to find the best fit for your Key West property.