We offer home insurance in all 67 Counties in Florida. This includes Port Saint Lucie, Fort Pierce, Stuart, Jensen Beach, Vero Beach, Miami, West Palm Beach, Fort Lauderdale, The Florida Keys, Tampa, Melbourne, Orlando, Fort Myers, Punta Gorda, Cape Coral, Boca Raton, Clearwater, Daytona Beach, Panama City, Pensacola, Palm Bay, Marco Island, Sarasota, Jupiter, Tallahassee, Jacksonville, and many others.

 

 

 

Homeowners insurance policies come in several standard types (often called HO policies). Each type covers different situations depending on whether you own, rent, or live in a condo. Here’s a clear breakdown you can use for your website. 🏠

 

 

 

 

🏠 HO-1 – Basic Form (Limited Coverage)

 

 

Basic homeowners insurance with minimal protection

 

 

Covers only specific risks:

 

 

• Fire 🔥

• Lightning ⚡

• Windstorms 🌪️

• Hail

• Theft

• Vandalism

 

 

 

Does NOT cover:

 

 

• Many common losses

• Water damage (most cases)

• Falling objects

• Weight of ice or snow

 

 

✅ Usually the cheapest

❌ Rarely used today

 

 

 

 

🏠 HO-2 – Broad Form

 

 

More coverage than basic policies

 

 

Covers:

 

 

Everything in HO-1 plus:

 

✅ Falling objects

✅ Ice or snow damage

✅ Frozen pipes

✅ Electrical damage

✅ Accidental water discharge

 

✅ More protection than HO-1

❌ Still limited coverage

 

 

 

 

🏠 HO-3 – Special Form (Most Common)

 

 

Most homeowners have this type of policy

 

 

Covers the house for:

 

 

✅ All risks except those excluded

 

Common exclusions:

 

❌ Flood

❌ Earthquake

❌ Wear and tear

❌ Neglect

 

 

Covers personal property for:

 

 

✅ Named risks like:

 

• Fire

• Theft

• Storm damage

 

 

✅ Most popular policy

✅ Good balance of price and coverage

 

 

 

 

🏠 HO-4 – Renters Insurance

 

 

For tenants who don’t own the building

 

 

Covers:

 

 

✅ Personal belongings

✅ Liability protection

✅ Temporary housing costs

 

 

Does NOT cover:

 

 

❌ The building itself

 

The landlord insures the building.

 

 

 

 

🏠 HO-5 – Comprehensive Form

 

 

Highest level of protection

 

 

Covers:

 

 

✅ House – All risks except excluded

✅ Personal property – All risks except excluded

 

Example:

 

If you accidentally damage something, it may be covered.

 

✅ Best protection

❌ Usually more expensive

 

 

 

 

🏠 HO-6 – Condo Insurance

 

 

For condominium owners

 

 

Covers:

 

 

✅ Interior walls

✅ Flooring

✅ Cabinets

✅ Personal belongings

✅ Liability

 

The condo association covers the building exterior.

 

 

 

 

🏠 HO-7 – Mobile Home Insurance

 

 

For manufactured or mobile homes

 

 

Covers:

 

 

✅ The home

✅ Personal belongings

✅ Liability

 

Designed specifically for mobile homes.

 

 

 

 

🏠 HO-8 – Older Home Insurance

 

 

For older or historic homes

 

 

Covers:

 

 

✅ Basic risks like fire and storms

 

Uses actual cash value instead of replacement cost.

 

Good for:

 

• Historic homes

• Very old houses

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📞 Get a Free Quote Today

 

 

Protect your business with affordable general liability insurance.

 

Call or Text:

772-979-4134

 

Email:

buddy.carter@buddyinsuresyou.com

 

Request a free quote today.

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