Property & Contact Confirmation
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Property & Contents Coverages
These coverages enhance protection for your home’s structure, belongings, and essential systems.
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Extended Replacement Cost Coverage
Description: Provides an additional buffer (typically 25–50%) if the cost to rebuild your home exceeds your dwelling coverage due to increased construction costs after a widespread event.
Suggestion: Recommended for all homeowners. Construction costs can surge after major storms when demand for contractors spikes.
Other Structures Coverage Increase
Description: Increases coverage for structures on your property that are not attached to your home — such as a shed, detached garage, fence, or pool enclosure.
Suggestion: Consider if you have valuable structures separate from your main home that would be costly to replace.
Replacement Cost on Contents
Description: Pays to replace your personal belongings at current retail price, rather than depreciated actual cash value.
Suggestion: Essential for ensuring you can replace your belongings at today’s prices without absorbing depreciation losses.
Scheduled Personal Property (Jewelry, Firearms, Antiques, etc.)
Description: Allows you to specifically insure valuable personal items that may exceed the coverage limits of your standard policy, such as jewelry, firearms, collectibles, and antiques.
Suggestion: Important for homeowners with high-value items that need full-value protection and lower deductibles.
Service Line Coverage (Buried Utility Lines)
Description: Covers the cost of repairing or replacing buried utility lines (water, sewer, gas, electrical) on your property.
Suggestion: Worthwhile for homeowners to cover unexpected expenses associated with service line failures.
Equipment Breakdown Coverage
Description: Covers sudden and accidental breakdown of major home systems and appliances — including HVAC, electrical, and mechanical systems.
Suggestion: Ideal for homeowners looking to safeguard against the high cost of repairing major home systems.
Home Business Coverage
Description: Provides coverage for business-related property, liability, and lost income for your home-based business.
Suggestion: Essential for homeowners who run a business from their home and want to ensure their business assets and activities are covered.
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Personal Liability Coverages
These coverages increase your protection against lawsuits, legal claims, and financial fraud.
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Increased Liability and/or Umbrella (Excess) Protection
Description: Provides an additional layer of liability protection above the limits of your standard home insurance policy. Helps cover costs if you are sued for damages due to bodily injury or property damage.
Suggestion: Highly recommended for homeowners with significant assets to protect against large liability claims.
Personal Injury Coverage
Description: Protects against claims of personal injury, including libel, slander, false arrest, and invasion of privacy. Often required if you have an Umbrella Policy.
Suggestion: Consider this if you want additional protection against a broad range of personal liability claims.
Identity Fraud Expense Coverage
Description: Helps reimburse expenses incurred as a result of identity theft, such as lost wages, legal fees, and costs for re-filing applications.
Suggestion: Important for anyone concerned about the rising threat of identity theft and its potential financial impact.
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Additional Perils Coverages
Optional coverages for specific risks that your standard policy may not fully address.
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Water Backup & Sump Overflow Coverage
Description: Protects against damage caused by water backing up through sewers or drains, or overflow from a sump pump.
Suggestion: Important for homes with basements or areas prone to heavy rainfall or flooding.
Watercraft / Boat Coverage
Description: Provides liability and property damage protection for small boats and watercraft.
Suggestion: Recommended for homeowners who own boats or other watercraft, ensuring protection both on and off the water.
Recreational Vehicle Coverage
Description: Extends protection to recreational vehicles (RVs), ATVs, snowmobiles, and similar vehicles.
Suggestion: Important for homeowners with recreational vehicles to ensure coverage for both liability and physical damage.
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Flood Insurance
Flood insurance is essential for every Florida property, regardless of flood zone. Standard home insurance does not cover flood damage.
With Florida’s high risk of flooding from heavy rains and hurricanes, protecting your home from potential water damage is crucial. For new homeowners, carrying flood insurance for at least the first year is particularly important — this period allows you to observe how your property handles extreme weather conditions. Don’t take unnecessary risks. To learn more, visit
floodsmart.gov .
Flood Insurance
Description: Provides protection against damage caused by flooding, which is typically not covered by standard home insurance policies.
Suggestion: Crucial for homeowners in flood-prone areas or regions with a history of flooding. Strongly recommended for all Florida homeowners.
I reject Flood Insurance Coverage for this property
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Review Your Selections
Here’s a summary of your optional coverage choices. Review before submitting.
Additional notes (optional)
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