Products & Coverage Options

The best protection for your Florida home, condo, or rental property

There's not much about insurance that's simple, especially when you live in Florida. At Florida Family, we specialize in delivering affordable and comprehensive insurance for Floridians. We believe that protecting what matters most should be uncomplicated, no matter where you live.

Protect your Florida Home


The homeowners insurance coverage you need will depend on a variety of factors, including whether your home is your primary residence or seasonal escape, and the age, location, value, and structure of your home.

Our standard homeowners insurance policy covers your:

  • Home — Protects your home from potential disasters such as lightning, theft, and fire.

  • Other structures — Covers buildings or structures not connected to the main home.

  • Personal property — Coverage for personal belongings in the event of loss or damage.

  • Additional living expenses — Pays necessary living expenses while your home is being repaired

  • Personal liability — Coverage for claims filed against you as a result of accidental injuries to others and/or unintended property damage.

  • Medical payments — Pays for actual medical expenses including accidental injuries to others.

 


Depending on your unique circumstances, it may make sense to add additional coverage for increased protection of your home and personal property.

A few of the many additional, optional coverages to consider:

  • Replacement Cost on Contents – Enables you to replace personal property damaged by a covered loss with new property at today’s market cost.

  • Special Personal Property Coverage – Broadens your personal property coverage to all losses, except those specifically excluded in the policy.

  • Scheduled Personal Property – Allows you to purchase specific coverage limits for valuable personal property including jewelry, art, cameras, and more.

  • Water Back-Up Coverage – Provides coverage from loss caused by sewer or drain back-up or overflow.

Protect your Florida Condo


As the owner of a condo unit, it is important to protect your valuable investment and all of the personal belongings it contains with a condo insurance policy. Condo insurance bridges the gap between your condo association’s master insurance policy, which only covers the structure and exterior of the condo building, and your unit’s property and liability protection.

The condo insurance you need depends on many factors, including whether it’s your primary home or your seasonal escape; the value of your belongings; the extent of interior enhancements; and other important considerations. Your Agent will customize a policy for your unique needs, at the best value possible.

Our standard condo coverage protects your condo from 16 separate causes of loss ranging from lightning to vandalism, civil commotion, aircraft and motor vehicle damage, and more. Our policies also provide liability and medical payments coverage, extend to rental condos, and protect against risks associated with your uninsured neighbors.

Your condo insurance would protect you in each of the following scenarios:

  • Your upstairs neighbor forgets he’s left the sink running in his kitchen and leaves for work. The ceiling in your condo collapses, and you must replace your cabinets, carpet, ceiling fans, and appliances.

  • Your home is burglarized and your TV, computer, and brand new bicycle are stolen.

  • A repairman slips on a wet floor in your house and is seriously injured. He files a lawsuit against you for medical fees.

  • A group of teenagers vandalizes the clubhouse at your condo complex. As a result, you receive an assessment from your condo association for $2,000 to repair the damage.

 


Depending on your unique circumstances, it may make sense to add additional coverage for increased protection of your assets.

A few of the many additional, optional coverages to consider:

  • Special Personal Property – Substantially broadened protection at and away from the condo.

  • Replacement Cost of Personal Property – Property limits based on the estimated value of your cherished possessions.

  • Water Back-up – Losses associated with blocked water or sewer lines.

  • Condo Rental to Others – Accommodating 3-day, weekly, monthly, quarterly, semi-annual, or annual rentals.

  • Increased Special Limits – For protection of valuable items including securities, jewelry, furs, money, or silverware.

  • Increased Special Limits – Coverage for expenses you may incur if your condo is damaged and you need to move out during repairs.

Protect your Florida Rental Property


Whether your rental property is an investment or your primary source of income, it’s important to protect this valuable asset. Rental property insurance is available for single-family residential rentals as well as rental properties with one to four units, excluding condominiums – for which condo insurance is available.

Planning for the future means preparing for the unexpected. Our standard coverage protects your dwelling from all losses other than what is specifically excluded in your policy, and reimburses you for any lost rental income at the time of a covered loss.




We offer a variety of flexible coverage options to ensure you’re fully covered. Your Agent can customize a policy to fit your unique needs and budget, evaluating factors such as whether your property is a short-term vacation rental or a long-term lease, your property’s location, its age, and condition.

Best of all, you can add, and pay for, only the coverage you need – amending your policy if your occupancy or financial situation changes.

A few of the many additional, optional coverages to consider:

  • Personal Property – Coverage for your personal possessions located in the insured residence in the event of a covered loss.

  • Premises Liability – Coverage for claims filed against you as a result of accidental injuries to others and/or unintended property damage caused by you.

  • Medical Payments – Pays for actual medical expenses incurred by others for injuries sustained on your property.

  • Replacement Cost on Contents – Enables you to replace personal property damaged by a covered loss with new property at today’s market cost.

  • Theft Coverage – Replaces your personal property due to theft.