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Protection against the elements


Elements Property Insurance Company (“EPIC”) is a Florida licensed insurance company based in Tallahassee, FL specializing in residential property insurance products. EPIC utilizes independent insurance agents to sell our products. We currently offer a Homeowners HO3 policy, with a goal of expanding to future products in the near future.

With this homeowner’s policy, your property is protected against most known perils, including fire, wind, and theft. We offer many optional policy endorsements including:

  • Animal Liability Coverage
  • Carports, Pool Cages and Screen Enclosure Coverage
  • Golf Cart Physical Damage and Liability Coverage
  • Water Back up and Sump Overflow Coverage
  • Scheduled Personal Property Coverage
  • Sinkhole Loss Coverage (with approved inspection in certain counties)

To learn more about our HO3 Homeowner’s policy, including coverage details and risk eligibility, please contact an EPIC agent.  If you need help finding an agent, please email us at and include the location of your home so we can provide you with an agent referral.