Home Insurance
HO3 coverage that protects your home, your belongings, and your family from the unexpected — with the right coverage at the right price.
Get a Quote
What is HO3 home insurance?
HO3 is the most common homeowners insurance policy in America. It provides comprehensive "open peril" coverage for your home's structure — meaning it covers damage from any cause except those specifically excluded (like floods and earthquakes).
Your belongings are covered on a "named peril" basis, protecting them against common risks like fire, theft, vandalism, and certain weather events. HO3 also includes liability protection if someone is injured on your property.
Your home insurance coverage breakdown
Understanding what your homeowners policy covers helps you make informed decisions about your protection. Here's how a typical HO3 policy breaks down:
What's Covered
- Your home's structure (dwelling)
- Other structures (garage, fence, shed)
- Personal belongings
- Additional living expenses
- Personal liability
- Medical payments to others
Water Damage
Water damage coverage is not always included and can be limited to $10,000 or excluded entirely — we'll make sure you understand your policy's water damage provisions.
Common Exclusions
- Flood damage
- Earthquake damage
- Normal wear and tear
- Neglect or lack of maintenance
- Intentional damage
- Certain dog breeds (varies by carrier)
Wind/Hurricane & Flood
In Florida, wind coverage may be separate or have a higher deductible. Standard HO3 policies do not cover flood damage — separate flood insurance is essential, even if you're not in a designated flood zone.
Important: Every home and policy is different. We'll review your specific situation to make sure you have the coverage you need — without paying for coverage you don't.
What does home insurance cover?
Dwelling Coverage
Covers repairs or rebuilding of your home's structure if damaged by covered perils like fire, wind, hail, or falling objects. This is typically the largest part of your policy.
Personal Property
Covers your belongings — furniture, electronics, clothing, and more — if they're stolen or damaged by a covered peril. High-value items like jewelry may need additional coverage.
Personal Liability
Protects you if someone is injured on your property or if you accidentally damage someone else's property. Covers legal fees and settlements up to your policy limits.
Additional Living Expenses
If your home becomes uninhabitable due to a covered loss, this pays for temporary housing, meals, and other living expenses while repairs are made.
Home Insurance in Lake Mary and Seminole County
Based in Lake Mary, we help homeowners throughout Seminole County and Central Florida find the right HO3 coverage. Whether you own a home in Lake Mary, Longwood, Sanford, Heathrow, Altamonte Springs, Winter Springs, or Oviedo, we compare quotes from multiple carriers to find competitive rates for your area.
Central Florida Home Insurance Considerations
Seminole County homeowners face specific risks: summer thunderstorms with frequent lightning, occasional tornadoes, and hurricane exposure. Roof age, construction type, and wind mitigation features significantly impact your premium. We know which carriers offer the best rates for homes in our area and which discounts apply to Seminole County properties, from impact windows to newer roofs.
Your Local Home Insurance Agency
As a Lake Mary-based agency, we're here when you need us. Policy reviews, claims assistance, and coverage adjustments are handled locally, not through a call center. We've insured hundreds of homes across Lake Mary, Longwood, Sanford, and the surrounding communities.
Common questions about home insurance
How much home insurance do I need?
Your dwelling coverage should be enough to rebuild your home at current construction costs — not the market value or purchase price. We'll help you determine the right replacement cost based on your home's size, materials, and features.
How much does home insurance cost in Florida?
Florida home insurance premiums vary based on your home's location, age, construction type, roof condition, and coverage limits. Annual premiums typically range from $1,500 to $5,000+. We compare quotes from multiple carriers to find competitive rates.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to repair or replace damaged items at today's prices. Actual cash value deducts depreciation, so you get less. We typically recommend replacement cost coverage for both your home and belongings.
Do I need flood insurance?
Standard home insurance doesn't cover flood damage. In Florida, flood insurance is highly recommended — most flood claims come from outside designated high-risk zones. We can help you find affordable flood coverage.
What discounts are available?
Common discounts include: new roof, impact-resistant windows/doors, monitored security systems, fire sprinklers, wind mitigation features, gated communities, and bundling with auto insurance. We'll make sure you get every discount you qualify for.
What if my home is older?
Older homes can be more challenging to insure, especially with aging roofs or outdated electrical/plumbing. We work with carriers that specialize in older Florida homes and can help you find coverage even when others have declined.
Florida home insurance carriers we work with
Get a home insurance quote
We compare rates from multiple carriers to find the right coverage at a competitive price. No pressure, no jargon — just clear options.