Dwelling & Property Insurance in Florida
Insurance for Eligible Residential Properties
Dwelling and property insurance can help protect eligible residential properties against certain covered losses.
This type of insurance may be appropriate for properties that do not fit a standard homeowners policy, depending on how the property is used, its location, and other eligibility factors.
What Does Dwelling & Property Insurance Cover?
Depending on the policy and property, coverage may include:
Dwelling & Building Coverage
Coverage can help protect the insured structure against certain covered losses, subject to the policy terms, limits, and deductibles.
Other Structures
Coverage may be available for certain other structures on the property, such as detached garages, sheds, or other eligible structures.
Personal Property
Depending on the policy and how the property is used, coverage may be available for certain personal property located at the insured premises.
Liability Coverage
Certain policies may provide liability coverage for eligible claims involving bodily injury or property damage, subject to the policy terms and limits.
Additional Coverage Options
Depending on the property, its use, and eligibility, additional coverage options may include:
- Wind & Hurricane Coverage
- Loss of Use or Rental Income Coverage
- Personal Property Coverage
- Other Applicable Coverage Options
Flood insurance is generally separate from a standard property policy and may be available through a separate policy.
Coverage availability, limits, deductibles, and eligibility vary by property and policy.
What Types of Properties May Need Dwelling & Property Insurance?
Depending on eligibility, this type of coverage may be considered for certain:
- Rental properties
- Secondary or seasonal homes
- Vacant or unoccupied properties
- Investment properties
- Other eligible residential properties
The appropriate policy depends on how the property is owned and used, its location, condition, and insurance eligibility.
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