Signature Homeowners (HO3) Insurance

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New Construction Homes

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Older Homes (30+ years)

We have options to help you find insurance for an older home. Call us to discuss your choices.

We Have Options

We've got you covered, Florida! View all our insurance products. 

Florida Homeowners Insurance Coverage

Helpful information is included for each type of coverage to give you a better understanding of the flexible options we offer our customers.


Coverage A provides coverage for your home. Your Coverage A limit should reflect the amount to rebuild your home. This is known as your home’s replacement cost value, which is not the same as the market value of your home. How do you determine the replacement value of your home? We have a tool called a replacement cost calculator that you can utilize to help you and your agent determine the replacement value of your home. 

In our (HO3) Homeowners Signature program we offer Coverage A limits from $200,000 to $2,000,000.

(a higher minimum coverage limit applies to properties located in certain counties)

Coverage B provides coverage for other structures located on your property that aren’t attached to your home.  An unattached garage, barn, utility shed, or in-ground swimming pool would be considered an “other structure”.     

In our (HO3) Signature Homeowners program we offer Coverage B limits from 2% to 70% of the Coverage A limit.

Tip: if you have an inground pool with an attached aluminum screened enclosure you may want to consider adding our optional Limited Screened Enclosure or Carport Coverage endorsement.

Coverage C provides coverage for your personal property. Furniture, clothing, jewelry, electronics, and appliances are a few examples of personal property items you may want to insure. 

In our (HO3) Signature Homeowners program, we offer Coverage C limits between 0% and 75% of the Coverage A limit.

You also have the option to exclude this coverage. 

Coverage D provides coverage for the additional living expenses you and your family incur when your home becomes uninhabitable due to a covered loss. This includes the cost of a place to stay, food, and clothing.

The HO3 Signature Homeowners policy provides a Coverage D limit of 10% of the Coverage A limit.

To ensure our customers have immediate access to the funds they need, we provide them with a pre-paid debit card. This is one of the many solutions we've implemented to improve our customers’ experience. 

Tip: It’s important to keep all your receipts.

Coverage E provides coverage that can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. Liability coverage also covers certain defense costs - even if the lawsuit filed against you is false, groundless, or fraudulent. However, it does not cover liability losses caused by any animals you own or keep.

The HO3 Signature Homeowners policy offers Coverage E limits of $100,000, $200,000, $300,000 and $500,000.

If you’re a dog owner, we have an optional Dog Liability Coverage Endorsement that can be added to your policy to provide coverage for bodily injury and property damage caused by your dog (certain restrictions apply).

Coverage F provides coverage for medical expenses incurred by someone who does not reside in your household and is injured on or by your property.

The HO3 Signature Homeowners policy offers Coverage F limits of $1,000, $2,500, and $5,000.

Optional Coverages

We offer the following optional coverages that can be added to your homeowners insurance policy:

  • Equipment Breakdown (Read More

  • Identity Theft Protection (Read More)

  • Roof Deductible Endorsement 

  • Dog Liability

  • Personal Injury Liability

  • Increased Replacement Cost on Dwelling

  • Scheduled Personal Property 

  • Golf Cart Physical Damage and Liability 

  • Screened Enclosure/Carport Coverage 

  • Increased Special Limits Coverage

  • Equipment Breakdown and Service Line Enhancement

  • Computer Equipment

  • Personal Property Replacement Cost Loss Settlement

  • Roof Surfaces Payment Schedule Endorsement

  • Special Personal Property

Tip: Check to see if any of these coverages are included or excluded in the Florida home insurance quotes you receive from your agent to make sure you're conducting an accurate comparison. By reviewing coverage carefully, you'll be able to make a better decision and discover the coverage options that are better suited for you. 

What Amount of Insurance Coverage is Right for Me?

We offer flexible options so you can find the right amount without paying for too much insurance coverage.

Call us and we'll walk you through the process:

(866) 999-5545