HO-3 / HO-6
Standard Policies
FEMA
Flood available
FL
Specialty carriers
Property lines
Florida has specific risks—hurricanes, floods, sinkholes—that require additional coverage. We review your exposure and build the policy with you.
01
Homeowners (HO-3)
For owner-occupied single-family homes. Covers structure, contents, liability, and additional housing expenses.
02
Condo (HO-6)
For condominium owners — covers interior, improvements, contents, and liability. Works in conjunction with the HOA master policy.
03
Renters (HO-4)
For tenants — it covers their belongings and liability. Affordable and many landlords require it.
04
Flood Insurance
Home insurance policies do NOT cover flooding. We offer FEMA-NFIP and private market policies, required or recommended in at-risk areas.
05
Landlord / Dwelling Fire (DP-3)
For rental properties. Protects the structure, loss of rent, and liability as the landlord.
06
Vacant / Builder’s Risk
For vacant, under construction or renovation properties — specialized coverage of specific markets.
Coverage beyond the home
01
Structure and other structures
Main house plus fences, sheds, separate garage, etc.
02
Personal content
Furniture, electronics, clothing, jewelry — with sub-limits for high-value items.
03
Loss of use
Additional housing expenses if your home becomes uninhabitable after a covered loss.
04
Personal liability
It protects you if someone is injured on your property and sues.
– Let’s talk
Your property deserves the right policy
We help you compare options and understand what’s really covered. No confusing language, no surprises in the claim.