Homeowners coverage built for salt air and storm season
Your home is the largest purchase you'll ever make. We shop carriers that understand coastal Florida construction, wind zones, and what it actually costs to rebuild here.
What's covered
What a Tidal Shield homeowners policy can include
Dwelling
Rebuild costs for the structure itself, at coastal construction prices.
Other structures
Detached garages, fences, docks, and outbuildings.
Personal property
Furniture, electronics, and belongings — inside and away from home.
Loss of use
Housing and living costs if a covered loss puts you out of your home.
Personal liability
Protection when someone is injured on your property.
Wind & hail options ask us
Deductible structures shaped for Florida wind zones.
Water backup add-on
Sewer and drain backup coverage most base policies skip.
Scheduled valuables add-on
Jewelry, art, and collections above standard limits.
Is this you?
Who needs homeowners coverage?
First Coast homeowners
Primary residences from Ponte Vedra to Palm Coast, on or off the water.
Second-home owners
Beach places and seasonal homes that sit unoccupied part of the year.
Condo owners
HO-6 policies that pick up where the association's master policy stops.
Landlords
Dwelling-fire coverage for single units to small portfolios.
The Tidal Shield difference
A boutique agency in your corner
Nearly 20 years on the coast
Licensed since 2006 and writing coastal property coverage ever since — we know storm season because we live it.
Never answered by a robot
Call the office and a licensed person picks up — the same people who write and service your policy.
Carriers that compete for you
Independent means options. We quote multiple carriers and bundle home, auto, and flood where it saves you money.
High-value home specialists
Access to carriers built for the high-value and high-net-worth market, with limits standard policies can't reach.
Client reviews
The family of agencies, in clients' words
Tidal Shield is the newest member of the family. These are real, unedited Google reviews of our founding sister agency, Coastal Shield Insurance — written about the same people now serving the First Coast.
“I've dealt with hundreds of customer service reps over the decades and I can say without reservation that Anna is in the Top 1% of service. She exudes warmth and competence.”
Neil Cotiaux
“Absolutely thrilled with the service Anna provided for both our car and homeowners insurance. She went above and beyond for us and our savings was remarkable!”
Dawn DiBrino
“The best customer service! Day or night, weekday or weekend, you can count on this team! Very dependable and pleasant staff!”
Renee Turano
Get started
Let's find the right coverage
Tell us a little about what you need to protect. We shop multiple carriers, come back with plain-English options, and never hand you off to a call center.
Request a free quote
It takes about a minute — or import your current policy with Canopy Connect from the Contact page.
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