Package Options

Two Premium Package Options.
One Commitment to Comprehensive Coverage 

Two Ways to Protect What Matters Most

Available on our HO3 multi-peril policies, the Premier and Premier Select Packages provide our broadest homeowners protection, combining enhanced coverages, higher limits, and valuable features. 

Help every client choose the package that is the best fit for their coverage needs, personal property priorities, and budget.

Premier Package

An excellent option for your most discerning clients, all-risk coverage including expanded personal property coverage bundled in one package. 

IDEAL FOR

  • Primary residences

  • Homeowners who want an all-inclusive package and expanded coverages

  • Those that need built-in, contents coverage C of 75%

 

Premier Select Package

All-risk coverage combined with the Roof Surfaces Payment Schedule for an affordable, balanced bundle. Premier Select allows the flexibility to select the Coverage C option that best fits your clients’ needs.

IDEAL FOR

  • Primary, Secondary, and Seasonal Homes

  • Clients that value predictable outcomes for covered non-hurricane roof claims

  • Homeowners that want well-rounded coverage but need greater flexibility for their personal property coverage

Package Comparison
Premier Package Premier Select Package
Key Differences
Eligibility
Primary Residences Only
Primary, Secondary, and Seasonal Homes
Coverage C
75% Included in Package
Flexibility to choose the right coverage for the client (Over 25% is required)
Roof Surfaces Payment Schedule (Does not apply to hurricane losses)
Shared Coverages
Additional 20% of Coverage A
Personal Property Replacement Cost
Special Personal Property
25% of Coverage A for Ordinance or Law
$10,000 Loss Assessment
$2,000 Tree Debris Removal (no deductible)
$2,000 Credit Card, Fund Transfer Card, Forgery & Counterfeit Money (no deductible)
$1,000 Fire Department Service Charge (no deductible)
$500 Refrigerated Personal Property ($100 deductible)
$500 Lock Replacement (no deductible)
$5,000 Jewelry, Watches, Fur, Precious & Semiprecious Stones ($2,500/item limit)
$300 Money, Bank Notes, Gold, etc.
$2,500 Securities, Deeds, Letters of Credit, etc.
$3,500 Firearms
$4,000 Silverware, Pewterware, Tea Sets, etc.
$3,000 Business Property on Residence Premises
$1,000 Business Property off Residence Premises
$5,000 Water Back-Up and Sump Discharge
 

How to get coverage through Florida Family 

At Florida Family, we offer our superior, affordable insurance policies through our network of authorized, Independent Agents. Carefully and thoughtfully selected, these agents are located throughout the state, know their customers and local market, and are able provide the best service and recommendations.

Thank you for trusting us to protect what matters most.

Contact Us