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Product Details:

    • Year Built 1945 and later

    • Dwelling Coverage up to 125% of Coverage A

    • Seasonal/Secondary Homeowners, tenant occupied, vacant and unoccupied are eligible!

    • Deductible options 2%, 3% 5% & 10%

    • Ordinance or Law (Building Ordinance) issued at 25% of Coverage A

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Florida HO-3 Wind Coverage Details:

Coverage A
Dwelling


Minimum $100,000

Maximum $1,000,000: in Miami-Dade, Broward, Palm Beach, Collier & Lee Counties
Maximum $850,000: Remainder of Florida

Coverage B
Other Structures

The Other Structures coverage is issued at 10% of Coverage A with available options of 2%, 5% and 10%.

Coverage C
Personal Property

Personal Property options are 25% and 50% of Coverage A with a default of 50% for owner occupied; tenant and vacant occupancies are issued at 5%.

Coverage D
Loss of Use

Loss of Use issued at 20% of Coverage A for owner occupied. All other occupancies are issued at 10% of Coverage A.

Notice: This policy is intended to be sold with a standard homeowners insurance policy which has excluded the peril of hurricane and windstorm. Careful analysis must be performed to identify any coverage gaps which may occur between unique forms covering the same dwelling.



Florida HO-3 Wind Premium Comparison Maps:

GeoVera Specialty HO-3 Wind Product to Citizens Premium Ratio

Example 1 Example 2


Legend

 

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