Homeowner’s Policy – designed for dwellings occupied by the owner. A Florida homeowner’s insurance (HO-3) provides insurance for single-family, townhouse, or duplex homes.
Dwelling Coverage – Landlord insurance policies that insure single-family or duplex homes that are rented and not vacant. This provides protection against covered perils such as wind, hail, lightening, or fire.
Condominium Unit Owners – designed to provide coverage for owner occupied or tenant occupied condominiums.
Renter’s Policy – designed to cover the tenant’s contents.
What is Personal Property? – Worldwide coverage for personal contents. It allows for actual cash value replacement cost of clothing, household furnishing, electronics, and other personal property up to the specified limits in the event of a covered disaster such as fire or hurricane.
What is Other Structures? – Protection for structures on covered property other than a home, such as a detached garage or shed.
What is Personal Liability and Medical Payments? – Legal protection for claims from accidents to others. You may be held responsible for damages and medical payments if a guest in your home is injured from a fall or other mishap.