What Is an HO‑14 Policy? (Florida Comprehensive Contents Coverage Guide)
The HO‑14 policy form is not used in Florida. While some states offer HO‑14 as a contents‑only open‑peril policy, Florida insurers do not file or sell this form.
Florida residents instead use HO‑4 (renters) or HO‑6 (condo) policies for personal property coverage.
What Florida Uses Instead
- HO‑4 — Renters insurance
- HO‑6 — Condo insurance
- HO‑3 — Homeowners insurance
This is especially important for buyers researching florida ho14 home insurance requirements for first time homebuyers.
Need Help Choosing the Right Florida Policy?
I can help you compare Florida‑approved personal property coverage options.