Are you looking for more coverage at a lower premium? Qualified homeowners with a home replacement value of $500,000 - $2.5 million, a clean claim history, and a good-to-excellent insurance risk score have an opportunity to enjoy the added satisfaction of enhanced coverage and premium savings of up to 20% that only our new HO5 policy can provide.


What is an HO5 insurance policy?

An HO5 policy is a home insurance policy that offers enhanced coverage (higher coverage limits) and includes popular optional coverages at no additional cost. This means coverage for items like Equipment Breakdown and Service Line are included with your policy.


What is the difference between HO3 and HO5 insurance?

HO5 insurance is for homes with a replacement value of $500,000 - $2.5 million and includes extra coverage at no additional cost. HO3 insurance is for homes with a replacement value of $200,000 - $2 million. Optional coverages can be added to an HO3 policy for an additional fee. Learn more.


What’s my deductible for an HO5 policy?

Both an HO3 and HO5 policy allow you to choose your non-hurricane and hurricane deductible. An HO5 policy gives you the flexibility to choose your water deductible. With an HO3 policy, your water deductible is the same as your All Other Perils deductible.


Why should I choose an HO5 policy over an HO3 policy?

Our HO5 policy is designed to reward our customers who properly maintain their homes and have a good-to-excellent insurance risk score by providing increased coverage amounts at significant savings for:  

  • Personal Injury Liability Coverage
  • Special Limits on Coverage C
  • Special Personal Property Coverage
  • Equipment Breakdown & Service Line Coverage
  • Food Spoilage Coverage
  • Lock Replacement Coverage

You can further enhance your HO5 policy by adding flood coverage, computer coverage, identity theft & monitoring, dog liability, and golf cart collision and liability.


Am I eligible for an HO5 insurance policy?

If your Florida home has a replacement value of $500,000 to $2.5 million, a clean claims history, and a great credit score – you may be eligible to save money when you switch to an HO5 policy!

Can’t wait to enjoy the added peace that comes with our HO5 insurance policy? Call us today to see if you qualify for this exclusive policy that can save you money!

(866) 999-5545