Need more coverage options?

Not to worry. Many customers have unique needs that require custom coverage. Explore more options below or get in touch with us directly to find the right coverage for you.
Florida Peninsula - Additional Coverage

Add additional coverage to your policy.

We’re here to protect you in every way possible. Choose which extra coverage options work best for you.
Florida Peninsula - Identity Theft Insurance

Identity theft

Protect your personal information from all acts of identity theft and potential fraud. Get your quote today.
Florida Peninsula - Equipment Breakdown Insurance

Equipment Breakdown & Service Line Coverage

Protect the major appliances and equipment in your home along with the utility and service lines that keep you running.

Which deductible works for you?

When it comes to deductibles, we do our best to meet customers where they’re at. View our current options below.
All Other Peril Deductibles
Available AOP deductibles are $500, $1,000, and $2,500.
Hurricane Deductible
Available Hurricane Options are 2%, 5%, or 10% of the selected Dwelling / Coverage A limit.

Endless coverage types for all the “what ifs”.

We offer coverage across countless different areas to ensure there are options for everyone.
Note: Not all coverages are available for all programs.
Animal Liability
Animal liability provides coverage up to $25,000 and medical payments of $2,000. Certain restrictions apply and are noted in your insurance policy.
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 will receive the fair market value of the item at the time of the loss.
Increased Limits - Premium Special Packages
Plus, Gold, and Platinum Premium Packages offer increased coverage limits for money, credit card/forgery, jewelry/furs, personal injury, personal liability, medical payments, water back-up & sump overflow.
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.
Earthquake Coverage
Provides coverage against a loss resulting from an earthquake.
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.
Golf Cart
Provides Golf Cart personal property coverage up to $5,000.
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.
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.
Jewelry and Furs Coverage– Increased Special Limits
Provides increased Coverage C limit for Jewelry and Furs based on amounts selected.
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.
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 homeowner's policy. Sinkhole coverage may be added at new business or renewal after inspection. Certain restrictions apply and are noted in your insurance policy.
Loss Assessment Increased Limits
Provides coverage when you are assessed for certain kinds of covered losses up to the stated coverage limit.
Water Backup and Sump Overflow
Protects against direct physical loss caused by water which backs up through sewers or drains.
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.
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.

Need an expert’s opinion?

Speak to an experienced Florida Peninsula agent in your area to discuss the coverage that is right for you.

We approach homeowners insurance from all angles.

At Florida Peninsula, we offer homeowners insurance policies with comprehensive coverages you can count on when you need it most.
Homeowner's Insurance - Coverage A - Dwelling Coverage

Dwelling coverage

Coverage for damage to your house and any permanent structures on your property.
Homeowner's Insurance - Coverage B - Other Structures

Other structures

Coverage for physical structures that are on your property and not attached to your home.
Florida Peninsula Insurance - Coverage C - Personal Property

Personal property

Coverage for your personal belongings like furniture, clothing, jewelry, and electronics.
Florida Peninsula Insurance - Coverage D - Loss of Use

Loss of use

Coverage for expenses beyond replacing your physical and personal property.
Florida Peninsula Insurance - Coverage E - Personal Liability

Personal liability

Coverage against medical bills and legal fees if someone happens to be injured on your property.
Florida Peninsula Insurance - Coverage F - Medical Payments

Medical payments

Coverage protection against payments for minor medical bills if someone is injured on your property.