Homeowners Insurance in Florida
Properties come in all shapes and sizes and we believe the insurance that protects those properties should as well. At Sunshine State Insurance, we strive to provide policies that are right for each homeowner's situation.
Our Policies
Home insurance policies come in several standard types, called forms, which vary in the degree of dwelling and the personal property coverage they provide. Choosing the right form or policy is important to ensuring your home is adequately covered.
These overviews will help explain the different coverages, but for more detailed information and personal consultation, please contact an independent agent that represents SSIC.
- Special Homeowners Policy (HO-3)
Covers all perils except those specifically excluded by the policy - Condominium Owners Policy
Provides personal property coverage, liability coverage and specific coverage of improvements to the owner's unit. Learn more about Condominium Policies here.
Additional Coverage & Endorsements
With your policy in place, you may want to supplement your policy with special coverage or endorsements to account for specific risks in your area, features of your home, or scheduled floaters to cover possessions like jewelry, fine arts and collectibles. Additionally you might consider:
- Replacement Cost Coverage on Your Contents
- Personal Injury
- Identity Theft
- Loss Assessment
- Extended Replacement Cost on Dwelling
- Water and Sewer Backup
Homeowners with a high net worth or a large number of valuable assets may want to consider increased Personal Liability Coverage to insure against the risk of being sued for damages, injury or other legal liabilities.
Please contact your independent agent for available endorsements on your policy
Discounts
For new homes and homes equipped with any of the following preventative features, you may be eligible for discounts or credits on your premiums:
- Central Station Fire or Burglar Alarm System
- Fire Sprinklers
- Fire-Resistive or Wind-Resistive Construction
- Windstorm Loss Mitigation
All of these factors translate to the value of your policy—what coverage and assurances you get for your money. And that's the most important factor by far.
