Florida Home Insurance for Unique Homes: What Homeowners Need to Know

Florida isn’t known for “cookie-cutter” homes. From sprawling estates and rustic log cabins to barndominiums with a modern twist, the Sunshine State is full of homes as unique as the people who live in them.

Contrary to what many may believe, many of these homes can be insured. Coverage ultimately depends on how a home is built and the materials used—but a property with character can still qualify for protection.

Homes on Any Size Lot

Whether your home sits on a cozy corner lot or a sprawling estate spanning hundreds of acres, we offer policies that provide coverage for unlimited acreage, as long as your home is reachable by road. Of course, we’ll review each home to determine eligibility.

Coverage Across Protection Classes

Your home’s protection class, which ranges from 1 to 10, affects your insurance premium and reflects the risk profile of your property—everything from fire protection to access to emergency services. We provide coverage options for homes in every class, helping homeowners across Florida secure the protection their property deserves.

Hobby Farms and Personal Livestock

From chickens and goats to a handful of miniature horses, small hobby farms can often be covered. Most of our policies allow up to 10 personal animals, provided there’s no business exposure. This means you can enjoy your animals and your home without worrying that being a hobby farmer automatically limits your insurance options.

Keep in mind:  any animal with a history of aggressive behaviors—such as biting, snapping, or attempting to cause injury—is not eligible for coverage.

Living in a Home That Doesn’t Fit the “Mold?”

Log homes and barndominiums can be covered, giving you options to protect your property—whether it’s a full-time residence, a vacation home, or a rental. We review each home to determine the coverage options that make sense based on how your home is built and being used.

Exploring Policy Options

Whether your home is cookie-cutter or full of character and charm, we offer a variety of ways to protect it.

• Premier (HO5) – For the “dream home” crowd
• Signature+ (HO3) – Our flagship fan favorite
• Dwelling Basic (DF1) – Budget-friendly for essential coverage
• Dwelling Owner (DF3-DO) – For second homes or extra protection
• Condo Insurance (HO6) – Cover your slice of the sky
• Renters Insurance (HO4) – Big peace of mind, small price tag (covers personal property if you’re a renter)
• Dwelling Landlord (DF3-DL) – Investor-minded coverage

Why It Matters

It’s easy to assume a unique home is “too unusual” to insure—but that’s not always true. Understanding your coverage options is the first step toward finding the right policy for your home.

Your Next Step

Whether your Florida home is a classic beauty—or what you consider an architectural marvel—our team is here to help you explore homeowners insurance options available for your property.

Reach out today to learn more about protecting your slice of the Sunshine State.

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