Florida Home Insurance Policies

See Why More Homeowners Trust “Reale Agency” Insurance

Homeowners insurance in Southwest Florida covers a wide range of losses and damages to your property, as well as liability claims that result from incidents on your property.

Typically, homeowners insurance in Southwest Florida will cover the following:

  • Damage to or destruction of the physical structure of your home caused by fire, windstorms, hail and other disasters.
  • Losses due to theft of personal property inside the home.
  • Liability for injuries or damage caused by you or members of your household on someone else’s property.
  • Medical expenses resulting from injuries sustained on your premises by guests who don’t live with you.
  • Additional living expenses should you have to move out while repairs are being made after a covered loss.
  • Damage caused by certain kinds of water or ice buildup (flooding is usually not covered).

In addition to covering structural damage and personal possessions, some policies may also provide coverage for detached structures such as garages and sheds; outdoor fixtures like fences; landscaping; pools and spas; jewelry; money; business items used at home (such as computers); additional living expenses if you’re temporarily displaced from your home due to damage from an insured disaster (e.g., hurricane);and more.

It’s important to know exactly what is included in your policy so that you can be sure all aspects of potential losses are taken care of adequately if something happens on your property.

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homeowners insurance

Types of Homeowners Policies

  • 1. HO-1 (Basic Form)

    This is the most basic form of homeowners insurance. It provides basic coverage for damage or loss caused by fire, lightning, windstorm, hail, explosions, smoke damage and more. It does not cover damage from floods or earthquakes however.

  • 2. HO-2 (Broad Form)

    This type of policy provides additional coverage beyond that offered by an HO-1 policy and includes protection against losses due to theft, vandalism and more common disasters such as a tree falling on the home or water damage from a broken pipe inside the house.

  • 3. HO-3 (Special Form)

    An HO-3 policy is the most comprehensive type of homeowners insurance available and usually covers all perils except those specifically excluded in the policy such as floods and earthquakes. This type of policy generally offers liability coverage as well as personal property coverage in addition to physical structure protection for your home itself.

  • 4. HO-4 (Renters Insurance)

    This type of homeowners insurance is designed specifically for renters who need protection from damages to their possessions within their rented space but do not own the building they live in themselves; landlords typically provide some level of building/structure protection already with their rental agreement but don’t always provide personal property coverage which is where an HO-4 renters policy would come into play providing that extra layer of protection if needed.

  • 5. HO–6 (Condo Insurance)

    Similar to renters insurance this specialized form provides additional coverage tailored specifically towards condominium owners who may not have full control over shared areas within a condo complex but still need financial security against possible damages incurred through things like theft or accidents within their own unit that aren’t covered under normal condo association policies.

  • 5. HO–8 (Modified Coverage Form)

    A unique form created for older homes with outdated construction methods that may be expensive or impossible to rebuild today with modern materials; this specialized form instead pays out actual cash value compensation rather than replacement cost so it can be used when other forms don’t meet certain requirements due to age/condition etc.

Condo Insurance

Condo Insurance

If you own a condo, co-op, or townhome, you can make sure that the portion you are responsible for (including interior structure, permanent fixtures, and cabinets) is adequately protected. A HO-6 compliant condo policy can provide coverage for your family’s liability and belongings against various perils like fire, theft, and vandalism.

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