Core property coverage doesn’t always account for every exposure. Optional coverages give agents the flexibility to tailor a policy around the home, the policyholder, and the risks that matter most in each situation. These add-ons layer supplemental protection onto a policy wherever broader risk response, or a little extra peace of mind, makes sense.
Optional Coverages
Extra protection for the risks a standard property policy may leave uncovered.
Coverage to Complete Your Protection
Available Optional Coverages
Flex Flood Insurance
Flood damage falls outside what a standard property policy covers. This optional coverage steps in to address one of Florida’s most significant property risks, with protection built specifically for flood-related losses.
Equipment Breakdown
Covers sudden mechanical, electrical, and pressure-system failures that standard policies often exclude or cap. That can mean protection for key home systems and equipment like air conditioning components, electrical panels, appliances, and more.
Identity Theft Protection
Extends protection beyond the physical home, helping policyholders stay covered against a growing risk in today’s increasingly connected world.
