Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Short answer: Get insurance quotes during your inspection period, not after. Insurers will want the roof age, a 4-point (for older homes) and a wind mitigation report. Flood is a separate policy, so get that quoted too.
Timeline
- Before you offer: ask the listing agent for roof age and any existing 4-point or wind mitigation reports.
- Day 1–5 of inspections: book the full, 4-point, wind mitigation and WDO inspections. See what each covers.
- Day 5–10: send the reports to a licensed agent for quotes, including flood.
- Before your inspection period ends: confirm the home is insurable at a price that works for you.
- Before closing: bind the policy and send proof to your lender.
Documents insurers ask for
- 4-point inspection (older homes)
- Wind mitigation form OIR-B1-1802
- Roof permit or invoice showing install year
- Elevation certificate (helpful for flood pricing)
About Citizens
Citizens Property Insurance is Florida's state-created insurer of last resort. Eligibility rules apply, and a licensed agent can tell you whether a private-market offer affects your options.
Frequently asked questions
When should I get homeowners insurance quotes when buying in Florida?
During your inspection period, so you can cancel if the home turns out to be uninsurable or too expensive to insure.
Get local help
Home InsuranceGet matched in PinellasHome InspectorsGet matched in PinellasMortgage LendersGet matched in Pinellas
Related guides
Florida Seller Closing Costs, Explained (With Pinellas Examples)Florida Title Insurance: Promulgated Rates, Who Pays, and What to Compare4-Point vs. Wind Mitigation Inspections in Florida: What Buyers and Sellers NeedSelling an Older Home in Pinellas County: A Pre-Listing Checklist
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This guide is general information, not legal, tax, insurance or financial advice. Rules and rates change, so confirm details with a licensed professional.