Property Insurance Coverage Options

Available coverage varies by property type, policy, location, insurance company, and eligibility.

Dwelling & Building Coverage

Dwelling or building coverage can help protect an eligible residential structure against certain covered losses.

Coverage needs can vary depending on the type of property, construction, use, and estimated cost to repair or rebuild.

Personal Property

Personal property coverage can help protect covered belongings such as furniture, clothing, electronics, and other personal items against certain covered losses.

Coverage limits and covered causes of loss vary by policy.

Personal Liability

Personal liability coverage can help protect against certain claims involving bodily injury or property damage for which you may be legally responsible.

Coverage may also include certain related legal expenses, subject to the policy terms and limits.

Loss of Use / Additional Living Expenses

Coverage may be available for certain additional living expenses when a covered loss makes an insured residence temporarily uninhabitable.

Coverage is subject to the policy terms, limits, and applicable conditions.

Wind & Hurricane Coverage

Wind and hurricane coverage may be available depending on the property, location, insurance company, and eligibility.

Coverage, deductibles, exclusions, and availability can vary significantly for Florida properties.

Flood Insurance

Flood insurance is generally separate from standard homeowners, condo, and renters insurance policies.

A separate flood policy may be available for eligible properties and can provide coverage for certain flood-related losses.

Other Available Coverage Options

Depending on the property and policy, additional coverage options may include:

• Personal Property Coverage Enhancements
• Other Structures
• Loss Assessment
• Other Applicable Coverage Options

Coverage availability, limits, deductibles, exclusions, and eligibility vary by property and policy.