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An HO6 policy is a specialized condo insurance policy designed to cover what your condo association’s master policy doesn’t. In Florida, it typically includes dwelling coverage for interior upgrades (like flooring and cabinets), personal property protection for belongings, liability coverage in case someone is injured in your unit, and loss assessment coverage for shared community damages. It also helps with additional living expenses if your condo becomes unlivable due to a covered loss.

 An HO3 policy is standard homeowners insurance that covers single-family homes in Florida. It includes dwelling coverage for the structure, personal property protection for belongings, liability coverage if someone gets hurt on your property, and loss of use to cover living expenses if your home becomes uninhabitable. It also protects against common risks like fire, theft, windstorms, and more, with options for additional hurricane or flood coverage.

 A DP3 policy is a landlord insurance policy designed for tenant-occupied homes in Florida. It provides dwelling coverage for the structure against risks like fire, wind, and vandalism, loss of rental income if the property becomes unlivable due to a covered loss, and liability protection if a tenant or visitor gets injured. Unlike a homeowners policy, it does not cover tenant belongings, so renters need their own insurance.

 An HO3 surplus lines policy is a non-admitted homeowners insurance policy designed for high-risk homes that don’t qualify for standard coverage. With Lloyd’s of London as an example, this type of policy provides dwelling coverage for the home, personal property protection, liability coverage, and loss of use, but with more flexible terms and coverage options. Surplus lines policies are often used for homes in hurricane-prone areas, older properties, or unique risks that traditional insurers won

 A Builder’s Risk policy is a specialized insurance policy designed to protect a home or building under construction or renovation. It covers the structure, materials, and equipment on-site against risks like fire, theft, vandalism, and weather damage. Unlike standard homeowners insurance, this policy is temporary and ends once construction is complete, at which point it transitions to a traditional HO3 or DP3 policy for full coverage.

A Flood Insurance policy provides specialized protection against water damage caused by rising waters, storm surges, and heavy rainfall—coverage not included in standard homeowners insurance. It typically includes building coverage for the structure, foundation, electrical, and plumbing systems, as well as contents coverage for personal belongings like furniture and appliances. Policies can be purchased through FEMA’s National Flood Insurance Program (NFIP) or private insurers for higher coverag

A standard auto insurance policy provides financial protection for drivers in case of accidents, theft, or damage to their vehicle. It typically includes liability coverage for bodily injury and property damage, collision coverage for repairs after an accident, comprehensive coverage for non-collision incidents like theft or weather damage, and uninsured/underinsured motorist protection. In Florida, drivers are also required to carry Personal Injury Protection (PIP) to cover medical expenses.

A Classic Car Insurance policy is a specialized auto policy designed for vintage, antique, or collector vehicles. Unlike standard auto insurance, it offers agreed value coverage, meaning the insurer pays a pre-determined amount if the car is totaled. It also includes comprehensive and collision protection, liability coverage, and specialized perks like coverage for spare parts, restoration, and limited-use discounts for vehicles driven only for car shows or special occasions.

A Golf Cart Insurance policy provides specialized coverage for golf carts used on and off the course. It typically includes liability coverage for accidents, collision coverage for damage to the cart, and comprehensive coverage for theft, vandalism, or weather-related damage. Some policies also offer uninsured motorist protection and accessory coverage for custom upgrades like lights, seats, and windshields, especially for street-legal carts.

 A Jewelry Insurance policy provides specialized coverage for valuable items like engagement rings, watches, and other high-end jewelry. It typically includes protection against theft, loss, damage, and mysterious disappearance, which standard homeowners insurance may not fully cover. Policies often offer worldwide coverage, no deductible options, and replacement cost coverage, ensuring you can repair or replace your jewelry without depreciation.

A Collector’s Insurance policy provides specialized coverage for valuable collectibles such as coins, stamps, sports memorabilia, antiques, and rare items. It offers protection against theft, loss, damage, and accidental breakage, which standard homeowners insurance may not fully cover. Policies typically include agreed value coverage, ensuring you receive the full appraised value, worldwide protection, and options for no deductibles to safeguard your prized collection.

 A Standard Boat Insurance policy provides comprehensive protection for boats and personal watercraft against accidents, theft, and damage. It typically includes physical damage coverage for repairs, liability coverage if you injure someone or damage property, and medical payments for injuries to passengers. Many policies also offer towing assistance, fuel spill coverage, and uninsured boater protection, ensuring you’re covered both on and off the water.

 A Yacht Insurance policy provides specialized coverage for larger, high-value boats typically over 26 feet in length. It includes hull coverage for physical damage, liability protection for accidents or injuries, and medical payments for onboard incidents. Many policies also offer crew coverage, towing assistance, fuel spill liability, and hurricane haul-out coverage, ensuring comprehensive protection for luxury vessels in open waters.