An HO-9 policy is not one of the commonly recognized standard homeowners insurance forms used in Florida. Unlike HO-3 and HO-5, HO-9 does not have a universally established coverage definition that homeowners can rely on when comparing insurance policies. Some insurance companies have used similar designations for proprietary homeowners products. However, homeowners should not assume…
Updated: October 2026 The HO-7 label is often used in general explanations of mobile and manufactured home insurance, but it is not the form name that should be presumed on a Florida quote. In the Florida manufactured-home market, MH-01 and MH-03 are commonly encountered policy form labels. Coverage still depends on the issuing insurer’s wording,…
An HO-1 policy, also known as the Basic Form homeowners insurance policy, is a traditional type of homeowners insurance that provides limited protection against a short list of specifically named causes of loss. Although HO-1 appears in national insurance guides, it is generally considered an outdated form and is not commonly offered in today’s Florida…
An HO-2 policy, also known as the Broad Form homeowners insurance policy, is a recognized type of residential property insurance. Although HO-2 is not commonly encountered among the Florida homeowners policies offered by many independent insurance agents, it is a legitimate policy form and is recognized in Florida insurance consumer guidance. HO-2 coverage differs from…
Updated October 2026 An HO-8 policy is a specialized homeowners insurance form designed primarily for certain older or historic homes where the cost of rebuilding with modern materials may be substantially different from the property’s market value. In Florida, an HO-8 may be an option for qualifying homes that do not fit the coverage or…
An HO-5 policy is a homeowners insurance form that generally provides broader personal property protection than a standard HO-3 policy. Both forms typically insure the dwelling on an open-peril basis, but an HO-5 generally extends open-peril coverage to personal belongings as well, subject to exclusions, limitations, and policy conditions. HO-5 policies are available through certain…
Updated October 2026 An HO-6 policy, commonly known as condo insurance, provides important protection for Florida condominium unit owners. Depending on the policy, coverage may include certain portions of the unit, personal belongings, personal liability, additional living expenses, and qualifying loss assessments. Understanding how an HO-6 policy works alongside the condominium association’s master insurance policy…
Updated: October 2026 Florida HO-4 renters insurance is designed for tenants in apartments, rented condominiums, townhomes and houses. This guide focuses on making practical coverage choices: setting personal property limits, reviewing deductibles and understanding what the landlord’s insurance does not provide. An HO-4 may protect eligible belongings, certain liability exposures and additional living expenses, but…
Updated October 2026 An HO-3 policy is one of the most common forms of homeowners insurance in Florida. It generally provides broad protection for an owner-occupied home, personal belongings, and personal liability, subject to the policy’s terms, exclusions, limits, and deductibles. HO-3 coverage is a common option for homeowners who need to satisfy mortgage lender…
Updated October 2026 Coverage F — also known as Medical Payments Coverage — may help pay qualifying medical expenses when someone who is not an insured under your homeowners policy is accidentally injured on your property or under certain other covered circumstances. Unlike personal liability coverage, payment generally does not require a determination that you…
Updated October 2026 Coverage E — also known as Personal Liability Coverage — may help protect you financially when you are legally responsible for certain bodily injuries or property damage involving others. In Florida, this coverage is important because liability claims, legal expenses, and medical costs can be substantial. Coverage depends on the policy’s terms,…
Updated October 2026 Coverage D — also known as Loss of Use Coverage — may help pay qualifying additional living expenses when your home becomes unfit to live in because of a covered loss. In Florida, this coverage is particularly important because hurricanes, wind damage, fires, and certain water losses can temporarily displace homeowners while…