Home Insurance Florida

Coverage That Fits Your Needs

Home insurance is one of the most important purchases you will ever make. Let Darr Schackow Insurance help you find the coverage you are looking for.

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Your Home Insurance Agent

From hurricane season to rising premiums, finding great homeowners insurance in Florida can feel impossible. But at DSI, our goal is to simplify the process and leave you feeling confident in your coverage options.

We want our clients to feel like part of the family, which is why we take the time to get to know you, your family, and your goals. By listening to your concerns, we’re able to help you build a network of coverage that checks off all the boxes on your list.

It’s time to stop feeling overwhelmed by your home insurance and start feeling safe, secure, and satisfied.

What Does Homeowners Insurance Cover?

Not every homeowner has the same needs when it comes to insurance. But whether you’re insuring an investment property or your family home, DSI is equipped to guide you towards the options that suit you best.

Dwelling Coverage

For the physical structure of your home as well as detached buildings.

Personal Property Coverage

For personal belongings, such as furniture, clothing, electronics, and more.

Loss of Use Coverage

For temporary living expenses if your home becomes uninhabitable due to a covered loss.

Personal Liability Coverage

For damage caused to a third party.

Medical Payments

For injuries that occur on your property to a third party.

A Local Agent You Can Trust

At DSI, we don’t just understand home insurance; we understand Florida. For the last 30 years, we have been connecting Floridians with policies from the top names in insurance.

As an independent insurance agency, we are able to provide quotes from a wide range of insurance companies, giving you more freedom and flexibility over your coverage as well as your rates.

Whether you’re purchasing a policy for a new home, finding replacement coverage, or just curious about your options, DSI is happy to assist you with your needs.

Representing the top insurance companies

DSI Answers Your Home Insurance Questions

Make sure your homeowners policy provides “replacement cost” coverage for your belongings. Otherwise, your policy will only cover the depreciated or garage sale value of your belongings. Specialty coverage may be needed for high-value items such as jewelry, watches, furs, china and art work.

DSI recommends Individual Life Insurance. The proceeds can be used for any purpose your beneficiaries choose. Your designated beneficiaries decide how best to spend the proceeds including paying off the mortgage or creating college funds.With Mortgage Protection Insurance, your lender is the only beneficiary. Your family has no access to the money and are not involved in the decision on how best to use the funds.

In 2017 during Hurricane Irma, only 14% of the 3.3 million households in the nine Florida counties affected by the disaster had flood insurance coverage, according to data from Pew Charitable Trusts. Just a few inches of water can cause thousands of dollars in property damage. But flood damages are typically not covered under your standard homeowners insurance policy even though about 25% of all flood claims come from low-risk flood areas.

Don't Get Stuck With a High Deductible
Once upon a time, Harold had purchased his homeowners insurance online because it seemed inexpensive. This past hurricane season, a tree branch fell on Harold’s house. It damaged the shingles and punched a hole in his roof. Harold called the 1.800 number, filed a claim and was promised a visit from an adjuster right away.

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The Benefits Of A Certified Wind Mitigation Inspection

Are you getting all the discounts you deserve on your homeowners insurance?


If your home was built before March 2002, and you have replaced your roof, you may not be getting the maximum wind mitigation credits you qualify for. I’ve saved clients from $200 to $600+ by recommending they obtain a certified wind mitigation inspection.


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Facebook Post Ended Up Costing Her $500,000!
Do you ever see comments on Facebook that make you cringe but don’t actually specifically name the person that the comment is about? Jacqueline Hammond made such a post that cost her $500,000!

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Best Way To Protect Your Household: Do A Home Inventory
When the new year arrives, it’s a great time to take a home inventory. You may have gotten a special holiday gift (jewelry, collectibles, heirlooms or firearms) that needs to be insured

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Why Choose DSI?

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