Homeowner’s Insurance with Florida Peninsula

Homeowner’s Insurance with Florida Peninsula

Your home is most likely the largest financial asset you will ever own and it houses some of your most precious belongings. In the event of a loss due to fire, storms or a variety of common, costly hazards, homeowners insurance guarantees that your home will be restored and your belongings will be replaced.


At Florida Peninsula, we offer homeowners policies with comprehensive coverage you can count on when you need it most, not the bare-bones coverage some others offer. We understand that every customer is unique. That’s why we have a wide selection of coverage at competitive rates that will meet your specific needs.

Florida Peninsula Insurance is committed to serving Florida’s homeowners! We also offer our customers discounts for protecting their homes.

Property Coverages:

  • Dwelling
    Coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy).
Homeowners Insurance 101 – Coverage A
  • Personal Property
    Coverage for your personal belongings, for example, furniture, clothing, jewelry, electronics, entertainment equipment.
  • Other Structures
    Coverage for physical structures that are on your property and not attached to your home.  Examples include screen enclosures, carports, pools, fences, and sheds.
  • Loss of Use
    Coverage for expenses beyond replacing your physical and personal property, e.g. renting an apartment while your home is rebuilt.

Liability Coverages:

  • Personal Liability
    Coverage if you damage someone else's property.
  • Medical Payments to Others
    Coverage if someone is injured on your property.

Deductible options to choose from:

  • Deductible Options
    Deductible options are $500, $1,000 and $2,500 for all types of perils except hurricane.
  • Hurricane Deductible
    Options are two, five, or ten percent of the dwelling coverage limit.

We offer many additional types of coverage for you to choose from:

  • Animal Liability
    Provides animal liability coverage of $25,000 and medical payments of $2,000. Certain restrictions apply and are noted in your insurance policy.
  • Increased Limits - Premium Special Packages
    Plus, Gold and Platinum Premium Packages offer changes in coverage on a package basis for money, credit card/forgery, jewelry/furs, personal injury, personal liability, medial payments, water back-up & sump overflow.
  • Earthquake Coverage
    Provides coverage against a loss resulting from an earthquake.
  • Golf Cart
    Provides Golf Cart personal property coverage up to $5,000.
  • Identity Theft Expense Coverage
    Pays for expenses incurred by an insured as a direct result of any single identity theft or fraud first discovered or learned of during the policy period and provides coverage up to a limit of $25,000.
  • Limited Fungi, Wet or Dry Rot, Yeast or Bacteria Coverage Increased Limits (Section 1)
    Provides coverage to pay for loss to covered personal property that is damaged by fungi, wet or dry rot, yeast or bacteria in the home up to the coverage limit.
  • Limited Fungi, Wet or Dry Rot, Yeast or Bacteria Coverage Increased Limits (Section 2)
    Provides coverage to pay for damages because of bodily injury or property damage involving the inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any fungi, wet or dry rot, yeast or bacteria up to the coverage limit.
  • Loss Assessment Increased Limits
    Provides coverage when you are assessed for certain kinds of covered losses up to the stated coverage limit.
  • Ordinance or Law Coverage
    Provides coverage for loss caused by the enforcement of laws and ordinances regulating construction and repair of damaged buildings. The basic coverage limit is 25% of Coverage A and may be increased to 50% of Coverage A.
  • Personal Property Replacement Cost
    Selecting Replacement Cost on Personal Property / Contents would allow you to purchase a brand new item to replace your lost one. If you do not select this coverage, you would receive the fair market value of the item at the time of the loss.
  • Permitted Incidental Occupancy
    Provides coverage for certain businesses conducted by an insured on the property.  Examples of permitted incidental occupancies include offices, schools or studios meaning offices for business or professional purposes, and private schools or studios for music, dance, photography and other instruction purposes.
  • Scheduled Personal Property
    Additional coverage that's over and above the typical coverage in a homeowners' insurance policy. Scheduled personal property protects valuable items that are out of the ordinary and need to carry separate coverage to ensure that their full value is covered in the event of a claim.
  • Screened Enclosure, Carport and Awning Coverage (HO-3 Only) 
    The policy includes $10,000 of the Coverage A for losses to screened enclosures, aluminum-framed carports or awnings.  It may be increased in increments of $10,000 up to a maximum of $50,000.
  • Jewelry and Furs Coverage– Increased Special Limits 
    Provides increased Coverage C limit for Jewelry and Furs based on amounts selected.
  • Silverware Coverage – Increased Limits
    Provides increased Coverage C limit for Silverware based on amount selected.
  • Sinkhole Coverage
    Protects homeowners from structural damage to their home resulting from confirmed sinkhole activity. Sinkhole coverage is different from Catastrophic Ground Cover Collapse coverage, which is typically covered by your homeowners policy. Sinkhole coverage may be added at new business or renewal after inspection. Certain restrictions apply and are noted in your insurance policy.
  • Water Backup and Sump Overflow
    Protects against direct physical loss caused by water which backs up through sewers or drains.
  • Flood Endorsement 
    As a homeowner or renter, it’s imperative that you protect your property from disasters that may occur in your area. As one of the most likely disasters in the U.S., floods can strike anywhere. Even if your region isn’t considered a likely area for flooding, you may want to consider the option of flood insurance. Flooding can occur following a disaster like a hurricane or a severe storm, and can be the direct result of rising water levels nearby.  
•	Our flood endorsement replaces the need for a standalone flood policy and is designed to cover your personal possessions up to a selected coverage amount. Our endorsement exceeds the normal limits of a standalone policy and can provide up to $2,000,000 of coverage for your home and up to $1,000,000 of coverage for your personal belongings.
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For detailed coverage descriptions, please review your current homeowners policy.
Homeowner’s Insurance Florida for flood, fire, windstorm, theft and liability