Homeowners insurance covers replacing your home and personal items up to certain limits, depending on your policy. While most disasters are covered, earthquakes and flooding is not. Additionally, insurance policies do not cover the normal aging of your house.

In your policy, there are several coverage types identified:

  • Coverage A - Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Coverage B - Other structures such as a garage, deck or swimming pool
  • Coverage C - Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Coverage D - Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage
  • Coverage E - Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage
  • Coverage F - Medical Payments — Covers medical bills for person(s) injured on your property.

For more information about homeowners insurance, visit the Florida Peninsula Learning Center.

As one of Florida’s top 10 largest home insurers, Florida Peninsula insurance knows the importance of keeping you and your family safe. Our Florida homeowners insurance policies are not bare-bones. They are comprehensive –giving you and your family the confidence you will be covered in the event you have a claim. We strive to provide efficient, cost-effective, peace-of-mind protection for our policyholders. This is why Florida Peninsula is one the Florida’s largest home insurers, providing the insurance you need at a fair price. To learn more about the Florida Peninsula experience, please contact (866) 846-3060 or visit the “GET A QUOTE NOW” now.