Standard and Optional Coverages
Know what your home policy covers.
A plain-English guide to the six standard coverages on a Florida homeowners policy, the options you can add, and how deductibles work.
- Coverages A to F
- Optional add-ons
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Standard coverages
Most Florida homeowners policies include these six parts. Your declarations page shows the limit for each one. Limits and exclusions apply, so check your policy or ask us.
Dwelling
Your home and attached structures. The limit should reflect the cost to completely rebuild your home after a total loss, which is different from its market or appraised value.
Other structures
Structures not attached to your home, such as sheds and detached garages.
Personal property
Your belongings, such as clothing, appliances and furniture. Many policies pay depreciated value unless you add replacement cost.
Loss of use
Additional living expenses or fair rental value if you can't live in your home after a covered loss.
Personal liability
Bodily injury or property damage to others for which you, or people covered by your policy, are legally liable.
Medical payments to others
Reasonable medical expenses if someone is injured on your property, or in some cases away from it.
Optional coverages
Available for an additional premium.
Sinkhole loss
Covers structural damage from sinkhole activity. This is different from catastrophic ground cover collapse, which standard policies include. A sinkhole inspection may be required.
Personal property replacement cost
Pays to replace your belongings without subtracting depreciation.
Increased ordinance or law
Helps pay extra rebuilding costs when codes or laws require upgrades, above the ordinance or law limit already in your policy.
Frequently Asked Questions
What is a deductible?
It's the part of a covered claim you pay out of pocket. It's subtracted from the covered damage, and your insurance company pays the rest. You'll find your deductibles on your policy's declarations page.
How does the hurricane deductible work?
It's usually a percentage of your Coverage A limit, so it's higher than your other deductibles. It applies once per calendar year: if more than one hurricane damages your home in the same year, what you paid toward the first counts toward the next. Report claims and keep receipts for hurricane repairs even if you don't reach the deductible.
What is the All Other Perils deductible?
A fixed dollar amount that applies to covered damage from anything other than a named hurricane or a sinkhole, such as fire or theft.
Which optional coverages do I need?
It depends on your home and your budget. Send us your declarations page and we'll review it with you.
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