Florida Peninsula Home Insurance Coverage

Homeowner’s Insurance with Florida Peninsula

Your home is the most valuable possession you will ever own since it serves as a safe haven for some of your most cherished memories and possessions. Your house and valuables are protected from financial ruin in the case of a covered peril like a fire, a storm, or any of a number of other common and expensive perils with homeowner’s insurance.

In contrast to the skimpy policies offered by some companies, Florida Peninsula’s homeowners’ insurance policies are designed to protect you in the event of an emergency. Each of our clients has their own special needs, and we respect those. That’s why we provide flexible plans at affordable prices to accommodate a wide range of scenarios.

Homeowners in Clewiston, Fort Myers, LaBelle, and Okeechobee, Florida can count on the John Perry Insurance Broker of Florida Peninsula Insurance. Discounts on home security systems are another perk we give our consumers.

Property Coverages:


Coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy).

Homeowners Insurance 101 – Coverage A

Personal Property

Coverage for your personal belongings, for example, furniture, clothing, jewelry, electronics, entertainment equipment.

Homeowners Insurance 101 – Coverage C

Other Structures

Coverage for physical structures that are on your property and not attached to your home. Examples include screen enclosures, carports, pools, fences, and sheds.

Homeowners Insurance 101 – Coverage B

Loss of Use

Coverage for expenses beyond replacing your physical and personal property, e.g. renting an apartment while your home is rebuilt.

Homeowners Insurance 101: Loss of Use Coverage

Liability Coverages:

Personal Liability

Coverage if you damage someone else’s property.

Medical Payments to Others

Coverage if someone is injured on your property.

Deductible options to choose from:

Deductible Options

Deductible options are $500, $1,000, and $2,500 for all types of perils except hurricane.

Homeowners Insurance 101: Deductibles

Hurricane Deductible

Options are two, five, or ten percent of the dwelling coverage limit.

Homeowners Insurance 101: Deductibles

We offer many additional types of coverage for you to choose from:

Animal Liability

Provides animal liability coverage of $25,000 and medical payments of $2,000. Certain restrictions apply and are noted in your insurance policy.

Increased Limits - Premium Special Packages

Plus, Gold and Platinum Premium Packages offer changes in coverage on a package basis for money, credit card/forgery, jewelry/furs, personal injury, personal liability, medial payments, water back-up & sump overflow.

Earthquake Coverage

Provides coverage against a loss resulting from an earthquake.

Golf Cart

Provides Golf Cart personal property coverage up to $5,000.

Identity Theft Expense Coverage

Pays for expenses incurred by an insured as a direct result of any single identity theft or fraud first discovered or learned of during the policy period and provides coverage up to a limit of $25,000.

Limited Fungi, Wet or Dry Rot, Yeast or Bacteria Coverage Increased Limits (Section 1)

Provides coverage to pay for loss to covered personal property that is damaged by fungi, wet or dry rot, yeast or bacteria in the home up to the coverage limit.

Limited Fungi, Wet or Dry Rot, Yeast or Bacteria Coverage Increased Limits (Section 2)

Provides coverage to pay for damages because of bodily injury or property damage involving the inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any fungi, wet or dry rot, yeast or bacteria up to the coverage limit.

Loss Assessment Increased Limits

Provides coverage when you are assessed for certain kinds of covered losses up to the stated coverage limit.

Ordinance or Law Coverage

Provides coverage for loss caused by the enforcement of laws and ordinances regulating construction and repair of damaged buildings. The basic coverage limit is 25% of Coverage A and may be increased to 50% of Coverage A.

Personal Property Replacement Cost

Selecting Replacement Cost on Personal Property / Contents would allow you to purchase a brand new item to replace your lost one. If you do not select this coverage, you would receive the fair market value of the item at the time of the loss.

Permitted Incidental Occupancy

Provides coverage for certain businesses conducted by an insured on the property. Examples of permitted incidental occupancies include offices, schools or studios meaning offices for business or professional purposes, and private schools or studios for music, dance, photography and other instruction purposes.

Scheduled Personal Property

Additional coverage that’s over and above the typical coverage in a homeowners’ insurance policy. Scheduled personal property protects valuable items that are out of the ordinary and need to carry separate coverage to ensure that their full value is covered in the event of a claim.

Screened Enclosure, Carport and Awning Coverage (HO-3 Only)

The policy includes $10,000 of the Coverage A for losses to screened enclosures, aluminum-framed carports or awnings. It may be increased in increments of $10,000 up to a maximum of $50,000.

Jewelry and Furs Coverage– Increased Special Limits

Provides increased Coverage C limit for Jewelry and Furs based on amounts selected.

Silverware Coverage – Increased Limits

Provides increased Coverage C limit for Silverware based on amount selected.

Sinkhole Coverage

Protects homeowners from structural damage to their home resulting from confirmed sinkhole activity. Sinkhole coverage is different from Catastrophic Ground Cover Collapse coverage, which is typically covered by your homeowners policy. Sinkhole coverage may be added at new business or renewal after inspection. Certain restrictions apply and are noted in your insurance policy.

Water Backup and Sump Overflow

Protects against direct physical loss caused by water which backs up through sewers or drains.

Flood Endorsement

As a homeowner or renter, it’s imperative that you protect your property from disasters that may occur in your area. As one of the most likely disasters in the U.S., floods can strike anywhere. Even if your region isn’t considered a likely area for flooding, you may want to consider the option of flood insurance. Flooding can occur following a disaster like a hurricane or a severe storm, and can be the direct result of rising water levels nearby.

  • Our flood endorsement replaces the need for a standalone flood policy and is designed to cover your personal possessions up to a selected coverage amount. Our endorsement exceeds the normal limits of a standalone policy and can provide up to $2,000,000 of coverage for your home and up to $1,000,000 of coverage for your personal belongings.
Recent Posts