An HO-3 policy is the standard protection for a single-family home you own and occupy — covering the structure, your belongings, your liability, and your living costs if you’re displaced.
A homeowners (HO-3) policy protects the home you live in on an open-perils basis — meaning it covers loss from any cause except those specifically excluded. That includes fire, wind, theft, and most sudden accidents.
In Florida it pays to get the details right: separate hurricane and wind deductibles, wind-mitigation credits, and roof age can all affect your premium and your coverage. We make sure your policy actually holds up when you need it.
We compare multiple A-rated carriers to find strong coverage at a fair price.
We know hurricane deductibles, wind-mitigation credits, and roof rules — and make sure you’re covered.
Multiple A-rated carriers compared to find the best coverage and price.
Combine with auto for multi-policy discounts.
Standard home policies don’t cover flood. If you’re near a flood zone, ask us about adding separate flood coverage.