Personal Insurance
Homeowners (HO-3)
Coverage for single-family homes — dwelling, contents, liability.
HO-3 is Florida's standard homeowners policy. It covers your house, attached structures, personal belongings, loss of use, and personal liability. Hurricane and wind are typically included with a separate hurricane deductible. Flood is excluded — that's a separate policy.
What's covered
- Dwelling (the house itself, repair/rebuild cost)
- Other structures (fence, shed, detached garage)
- Personal property (contents)
- Loss of use (alternate housing if displaced)
- Personal liability (lawsuit if someone is injured on your property)
- Hurricane + wind (with separate deductible)
What's not
- Flood damage (needs separate NFIP or private flood policy)
- Earthquake (rare in FL, separate rider)
- Wear & tear / lack of maintenance
Florida note
Florida's hurricane deductible is split from your standard deductible — typically 2%, 5%, or 10% of dwelling coverage, only triggered by a named storm. We help you choose the right balance of deductible vs. premium.
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We write homeowners (ho-3) with these carriers:
- Universal P&C
- Slide
- American Integrity
- Edison
- FL Peninsula
- Spinnaker
- Ovation
Related coverage
More ways we protect your family.
Auto Insurance
Florida-compliant auto coverage. PIP, BI, UM/UIM, comprehensive, collision.
Condo (HO-6)
Walls-in coverage for condo owners. Especially relevant for SB-4D buildings.
Flood Insurance
NFIP and private flood for South Florida homes. Not optional in coastal zones.
Stop overpaying for coverage
you don't understand.
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