Florida High Value Homeowners Insurance

Homeowners / Primary Home

A Homeowners Insurance policy is used to insure single-family or duplex residences that are occupied by the owner (HO3) as a primary residence and/or as a secondary or seasonal home. Condominium units occupied by the owner, a tenant (HO6), and tenants who have a rental which can be an apartment, condo, or home (HO4). If you own a mobile home, a Comprehensive Mobile Home (CMH) policy is designed specifically for your particular needs. The homeowners policy typically includes coverage for the dwelling, other structures, contents, loss of use, and personal liability. There are also sub coverage options under these broad forms under basic coverage forms (HO8).

Coverage Options

Your insurance agent can help you determine the amount of coverage and options applicable to your individual situation. For instance, if you have a valuable coin collection or property used for business, you may need additional coverage. Get in contact with one of our agents for details on endorsements that provide a package of enhancements that may be available only with certain carriers!

Keep in mind that the dwelling coverage (Coverage-A on your policy) needs to be sufficient to cover debris removal, the cost to rebuild your home, and expenses to meet current building code. This is not the real estate or tax appraised value of your home. Your agent has access to software that can help determine the correct Coverage-A for each carrier taking into consideration the current building construction materials and labor costs in your area. To be certain that you have adequate coverage on your personal property, complete a home inventory using free software such as KnowYourStuff.org or by completing an itemized list such as the Home Inventory Checklist, along with current photos of your items.

Review Your Policy

We recommend reviewing your policy coverages on an annual basis with your agent. If during the year you plan to make renovations to your home, such as a kitchen remodel or replacing your current roof with a new one, be sure to contact your agent so that your policy can be updated. Major repairs and enhancements to your home may qualify for a premium credit! If you purchase big ticket items such as jewelry, electronics, or collectibles; it may require riders. It is highly recommended that you check with your agent to be sure these new items are properly covered.

  • Homeowners policies are used to insure single-family or duplex residences
  • Condominium units occupied by the owner or a tenant
  • Tenants who have a rental -- an apartment, condo, or a home
  • If you own a mobile home, a Comprehensive Mobile Home

Florida High Value Homeowners Insurance Policy Discounts

  • Burglar alarm - Central
  • Fire alarm - Central
  • New house
  • Updated or Renovated home
  • Gated community patrol service
  • Residential sprinkler system
  • Fire resistive
  • Masonry construction
  • Claims free
  • Storm shutters
  • Location based rating
  • Wind Mitigation Report
  • Hip Roof
  • Multiple Policy

Give us a call today so we can help you find the right homeowners insurance for your high value home! At Insurance Warehouses of America, our professional agents have access to software that can help you make this decision. They can also help you find potential discounts that your home may qualify for!