Policy Coverage Decoder. What your HO-3 actually covers.
Paste key policy language or enter your policy form type. The tool explains what is covered and what is excluded in plain English.
The most common Florida homeowners form. Open peril on dwelling, named peril on contents.
Coverage A: Dwelling
What it covers: Main structure. Open peril coverage.
Typical: Set to rebuild cost (not market value). Updated annually.
Watch for: Under-insurance exposure if cost to rebuild exceeds limit. Consider extended replacement cost endorsement.
Coverage B: Other Structures
What it covers: Detached garages, sheds, fences, pool cages.
Typical: 10% of Coverage A.
Watch for: Pool cages often exceed sublimit. Verify at renewal.
Coverage C: Personal Property
What it covers: Contents: furniture, electronics, clothing.
Typical: 50-70% of Coverage A.
Watch for: Sublimits on jewelry ($1,500), firearms ($2,500), cash ($200-$500). Schedule valuable items.
Coverage D: Loss of Use (ALE)
What it covers: Additional living expense when home is uninhabitable.
Typical: 10-20% of Coverage A.
Watch for: Can exhaust during lengthy restorations. Document pre-loss standard of living.
Coverage E: Personal Liability
What it covers: Third-party injury or property damage you cause.
Typical: $100k-$300k.
Watch for: Standard limits insufficient for many homeowners. Umbrella policy recommended.
Coverage F: Medical Payments
What it covers: Medical bills for guests injured on your property.
Typical: $1k-$5k.
Watch for: Separate from Coverage E. Covers regardless of fault.
This is a general overview. Read your specific policy for exact terms, endorsements, and exclusions.
Paste key policy language or enter your policy form type. The tool explains what is covered and what is excluded in plain English.
Mechanism
How it works
Parses your policy declarations or form type and provides plain-English breakdowns of each coverage category.
Output
What it tells you
What you're actually covered for, with specifics on sublimits and exclusions.
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This tool is advisory.
Tool outputs inform decisions but do not replace a licensed professional review. For significant claims, consult a licensed Florida public adjuster.
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Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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