What Is an HO‑16 Policy? (Florida Enhanced Homeowners Coverage Guide)
The HO‑16 policy form is not a recognized homeowners insurance policy in Florida. Some states use HO‑16 to describe an enhanced HO‑3 package, but Florida insurers do not file or sell an HO‑16 policy. Instead, Florida homeowners strengthen their HO‑3 policies with endorsements. What Florida Uses Instead HO‑3 — Standard homeowners policy HO‑5 — Premium…