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Florida Homeowners Insurance

If there’s something Florida residents and tourists can both agree on, it’s that the Sunshine State lives up to its name. Florida’s magnificent climate attracts people from all over, but that pleasant weather can have a darker side. Florida’s intense storms can bring torrential rainfall, high winds and severe flooding.

Products For Residents Across Florida

Homeowners Policy

Our HO3 homeowners policy protects your home, other structures and belongings from damages caused by an unforeseen loss. Your home and other structures are covered on an open peril1 basis, subject to the exclusions listed in the policy. Your personal belongings are covered for the named perils2 listed. The policy can help pay for bodily injury or property damage you are legally responsible for, such as when a guest is injured on your property, or you or a family member accidentally injures someone or damages their property.

Most homeowners insurance policies do not cover damage from floods or earthquakes. However, there may be additional coverage options available to purchase.

Flooding is a temporary overflow of water onto land that is normally dry. Floods are the most common natural disaster in the United States. Failing to evacuate flooded areas or entering flood waters can lead to injury or death.

Floods may:

  • Result from rain, snow, coastal storms, storm surges and overflows of dams and other water systems.
  • Develop slowly or quickly. Flash floods can come with no warning.
  • Cause outages, disrupt transportation, damage buildings and create landslides.

Homeowners Policy (HO5)

A critical distinction between an HO3 and HO5 policy is that while both policies provide extensive open peril* coverage for your home’s physical structure, an HO5 policy offers open peril1 coverage for both your home and your belongings..

Dwelling Fire (DP3)3

A DP3 dwelling fire policy is the most comprehensive policy available for rental and other non-owner-occupied homes. The DP3 provides dwelling and other structure coverage, and covers the landlord’s furnishings, loss of rent, and on-premises liability.

  • Open perils – coverage is provided for all loss types unless specifically excluded. Standard exclusions include but not limited to earthquake, flood, nuclear disaster, acts of war and intentional loss.
  • Named perils – coverage is provided for specific perils only. Typically include fire, lightning, windstorm or hail, explosion, riot, aircraft damage, vehicle damage, vandalism, theft, among others. Some perils may still be excluded.

Actual coverage will be determined at the time and location of the loss, based on the coverage in place, and laws in effect in the jurisdiction where the loss occurred.

  • This product is offered by the insurer on a non-admitted basis. Coverage may only be obtained through a duly licensed surplus lines broker such as SageSure. Any descriptions herein are meant as summaries only, and may not include all terms, conditions, and exclusions of the policy described.  

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About Us

©2025 SageSure Insurance Managers, LLC

SageSure Insurance Managers LLC (CA Lic #0I67524, MA Lic #2028361, TX Lic #1966149) is domiciled in Florida, has its principal place of business at 101 Hudson Street, Ste. 2700, Jersey City, NJ, 07302 and does business in CA as SageSure Managers Insurance Agency LLC (SageSure). GeoVera products are available through GeoVera Advantage Insurance Services, LLC (“GVAIS”) (CA Lic #0I01644, OR Lic #100171126, WA Lic #800438, FL Lic #L076373), domiciled in Delaware. GVAIS and SageSure are licensed property casualty insurance agencies in the states in which the listed products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. Insurance coverage, terms, and conditions may vary, and eligibility for coverage is subject to underwriting approval. All policy terms and conditions apply. Rates and premiums are based on individual circumstances and may change over time. Any estimated premium savings are based on the application of discounts which are subject to availability and qualification. GVAIS and SSIM receive compensation based on premiums for the insurance policies sold.