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Save With Florida Specialty Homeowners Coverage

Ways to Save on Your Flordia Specialty Homeowners Insurance Coverage

The right amount of insurance coverage is the most important decision you will make when purchasing a homeowners insurance policy. It is a key factor in determining that your home has the correct amount of insurance protection. Below is helpful information to give you a better understanding of the types of coverage in your Florida Specialty Homeowner Insurance Policy.


Coverage A is the coverage in your homeowner policy protecting the structure of your home.
Coverage B is the coverage protecting your Other Structures.
Coverage C is known as Contents Coverage. This coverage protects your Personal Property.
Coverage D protects you if your home is uninhabitable due to a covered loss.
Coverage E is coverage protecting your Personal Liability on your property.
Coverage F is coverage protecting you against Medical Payments.

Optional Homeowners Insurance Coverages

Florida Specialty offers optional coverage that can be added to meet your needs:

  • Identity Theft Protection
  • Dog Liability
  • Personal Injury
  • Water Backup and Sump Overflow
  • Increased Replacement Cost on Dwelling
  • Scheduled Personal Property
  • Golf Cart Physical Damage and Liability
  • Screened Enclosure/Carport Coverage
  • Increased Special Limits Coverage on Specific Property.

Florida Specialty offers premium discounts::

  • Claims Free Discount
  • Mature Adult Discount
  • Secured Community / Building Discount
  • Protective Device Discount
  • Hardiplank Siding Discount

Florida Specialty offers flexible options to meet your needs. Your local Florida Specialty agent can guide you through these insurance buying decisions and take some of the guess work out of the process.


Calculate the Savings within your Florida Specialty Homeowner Policy’s Coverage “C”

Coverage ā€œCā€ provides for the repair or replacement of your personal property, due to a covered loss, including but not limited to your furniture, clothing, electronics, and appliances. Your Florida Specialty Homeowner Policy is usually quoted with a Coverage C limit of 50% of Coverage A (if the Coverage A limit is $300,000, then the Coverage C Limit would be 50% of $300,000 or $150,000).

Although Florida Specialty recommends you have a minimum Coverage C Contents Coverage limit equal to 50% of Coverage A, you can choose any amount of Coverage C ā€“ Contents Coverage from a limit of 0% to 70% of your Coverage A limit. The best way to determine the correct amount of Coverage C ā€“ Contents Coverage is to look around each room in your home and record the value of the personal property items in each room. You will be surprised how quickly the value of these items add up! Your Florida Specialty agent can help you determine the correct amount of coverage you need.

Florida Specialty also offers Replacement Cost Personal Property coverage. Replacement Cost Personal Property Coverage provides protection for your personal property on a Replacement Cost basis. If you experienced a covered loss to your personal property, your personal property will be repaired or replaced WITHOUT A DEDUCTION FOR DEPRECIATION. Florida Specialty recommends the purchase of Replacement Cost Personal Property Coverage.

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