Florida Second Home Insurance

Homeowners / Primary Home

A Second Homeowners Insurance policy is used to insure single-family or duplex residences that are occupied by the owner (HO3) as a primary residence, secondary or seasonal home. This type of coverage applies to owners who only occupy the residence part of the year and it is never rented. Being the destination capitol of the world, Orlando has a place where a lot of the people have invested in a second home for their families to use year after year, hoping to retire in it one day. Condominium units occupied by the owner, tenant (HO6), and tenants who have a rental which can be an apartment, condo, or home (HO4).  Coverage for the dwelling, other structures, contents, loss of use, and personal liability are typically included in the homeowners policy. There are also sub coverage options under these broad forms under basic coverage forms (HO8).

Coverage Options

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

Your dwelling coverage (Coverage-A on your policy) must  be sufficient to cover debris removal, the cost to rebuild your home, and any 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 the adequate coverage on your personal property, complete a home inventory or you can complete an  itemized list such as the Home Inventory Checklist, along with current photos of your items.

Review Your Policy Annually 

We recommend reviewing the coverages of your policy on an annual basis with your agent. If you are planning to make any kind of renovations to your home, be sure to contact your agent so that your policy can be updated! Keep in mind that major repairs and enhancements to your home may also qualify for a premium credit! If you purchase big ticket items such as jewelry, electronics, or collectibles, it may require riders so, check with your agent to be sure these items are properly covered.

Florida Second Home 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

Let Insurance Warehouses of America help you find the right insurance for your second home. Our agents have access to professional software to help determine the ideal coverages for your specific needs! They can also help you see what types of discounts your home qualifies for.