Homeowner 3 Special Form Policy

The following outline of coverage is for informational purposes only. Florida law prohibits this outline from changing any of the provisions of the insurance contract that is the subject of this outline. Any endorsement regarding changes in types of coverage, exclusions, limitations, reductions, deductibles, coinsurance, renewal provisions, cancellation provisions, surcharges, or credits will be sent separately.

Section 1 - Property Coverages

The following is a brief overview of the principal coverages, limitations, and exclusions found in Section I of your homeowners policy. Please review Section I of your policy for the complete list of coverages, limitations, and exclusions.

Coverage A – Dwelling: covers your dwelling structure, and structures attached to the dwelling
Coverage B – Other Structures: applies to any structures that are detached from your dwelling
Coverage C – Personal Property: protects your personal belongings, such as furniture and clothing. Special limits of coverage apply to certain categories of property, such as money, jewelry, and property used for business purposes. Some items are excluded from coverage, such as motor vehicles and property of roomers or boarders.
Coverage D – Loss of Use: covers any necessary increase in living expenses if, due to a covered loss, you are temporarily unable to live in your home
Additional Coverages: provides the following additional limited coverages: Debris Removal; Reasonable Repairs; Trees, Shrubs, and Other Plants; Fire Department Service Charge, Property Removed; Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money; Loss Assessment; Collapse; Glass or Safety Glazing Material; Fungi, Wet or Dry Rot, Yeast, or Bacteria; and Ordinance or Law. Please review your policy for complete details about these coverages.
Deductibles: payments for covered losses under Coverages A, B and C are subject to the deductibles shown on your Policy Declarations.
Coinsurance: if, at the time of loss, a building under Coverage A or B is insured for less than 80% of its full replacement cost value, payment for any covered loss will be reduced.

Covered and Excluded Property Losses

Coverage A – Dwelling and Coverage B – Other Structures: covers direct physical loss to the described property within these coverages, except as limited or excluded by your policy. Some of the causes of loss excluded from coverage are: intentional acts; neglect; wear and tear or deterioration; flood or surface water; water back-up from sewers or drains; war; and nuclear hazards. Please review your policy for a complete list of exclusions and details about how they pertain to your coverage.
Coverage C – Personal Property: provides coverage for direct physical loss to your personal property caused by: fire or lightning; windstorm or hail; explosion; riot or civil commotion; aircraft; vehicles; smoke; vandalism or malicious mischief; theft; falling objects; weight of ice, snow or sleet; accidental discharge of water or steam from within a plumbing, heating, or air conditioning system; rupture of a hot water heating system or air conditioning system; freezing of a plumbing, heating, or air conditioning system; sudden and accidental damage from artificially generated electrical current; and volcanic eruption. Please review your policy for complete details about these causes of loss.

Section II – Liability Coverages

Coverage E – Personal Liability: provides coverage for monetary damages which you are legally obligated to pay due to bodily injury or property damage arising from an accident covered under Section II of your policy
Coverage F – Medical Payments to Others: covers reasonable and necessary medical expenses incurred by others due to an accident covered under Section II of your policy

Excluded Liability Losses does not cover bodily injury or property damage which arises out of activities such as: the intentional acts of an insured; the rendering or failure to render professional services; or in connection with a business engaged in by an insured; the ownership, maintenance, use, loading, or unloading of motor vehicles, other motorized land conveyances, certain watercraft and aircraft; or war. Please review your policy for a complete list of exclusions and details about how they apply to your coverages.