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Save With Florida Specialty Homeowners 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.

Our Coverages
Find Your Insurance Here

Offering the best coverage for Homeowners, Condo, Rental Property Dwelling/Condo or Manufactured Homeowners and so many more. Click here to explore the coverage options!

Get a Quote
For Affordable Coverage

If you would like a quote from Florida Specialty on your Homeowners, Condo, Rental Property Dwelling/Condo or Manufactured Home, please contact your nearest Florida Specialty Agent

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Use our convenient and secure online payment portal to take care of your insurance policy premium. Click here to login and start payments online today!

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Florida Specialty is a growing company with expanding opportunities for independent agents throughout Florida. Click here to learn more about joining us!