Premier Homeowners Insurance

Get What You’ve Earned
Rewarded with Benefits

Coverage enhancements, such as higher special limits for certain classes of Personal Property and Personal Injury coverage, come included in this policy.

No Extra Costs

Our Premier policy covers lost or misplaced items, such as jewelry, furs, and watches, at no extra cost—that’s more bang for your buck!

Exclusive New Coverage

Valuable additional coverages, such as coverage for refrigerated property and lock replacement, are also included in our Premier policy, giving you that extra peace of mind.

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 it would cost 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 special tool called a replacement cost calculator that can help you and your agent determine the replacement value of your home. 

Our Premier Homeowners (HO5) program offers Coverage A limits from $500,000 to $2,500,000.

Coverage B provides coverage for other structures 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.”    

Our Premier Homeowners (HO5) program offers Coverage B limits from 2% to 70% of the Coverage A limit.

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. Our Premier program includes replacement cost coverage, which means there is no deduction for depreciation. 

Our Premier Homeowners (HO5) program offers Coverage C limits between 25% and 75% of the Coverage A limit.

You also have the option to exclude this coverage. 

Note: Certain classes of property, such as furs, jewelry, and silverware, have a set coverage limit.
If you own items with a value higher than the special limit included in our Premier Homeowners policy, we have an optional Scheduled Personal Property endorsement that can be added to the policy to insure those items at their appraised value.

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 Premier Homeowners (HO5) 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 Premier Homeowners (HO5) policy offers Coverage E limits of $100,000, $200,000, $300,000, and $500,000.

Tip: 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 Premier Homeowners (HO5) policy offers Coverage F limits of $1,000, $2,500, and $5,000.

What's the difference between HO3 and HO5?

Some optional coverages that can be added to our Signature policy (HO3) are included in our Premier policy (HO5).




Cost to Rebuild

$500k - $2.5M

$200k - $2M

Coverage C Increased Special Limits



Equipment Breakdown + Service Line



Special Personal Property



Personal Injury Liability



Food Spoilage



Lock Replacement





Optional Coverages

These optional coverages may be added to further enhance your Premier policy:

  • Scheduled Personal Property
  • Identity Theft Protection & Monitoring 
  • Golf Cart Physical Damage and Liability
  • Hurricane Screened Enclosures & Carport
  • Dog Liability


Better Coverage Awaits You

Call us today to see if you qualify for this exclusive policy that can save you money!