Florida HO-3 Sublimit Explorer. Know Your Caps.
Browse standard Florida HO-3 sublimits for jewelry, firearms, cash, and other categories.
Jewelry & furs (theft)
Schedule individual high-value pieces. Standard sublimit applies in theft losses only.
Firearms (theft)
Higher-value firearms benefit from scheduling.
Cash, currency, gold
Very low standard cap; very high-value cash storage requires scheduling.
Securities (bonds, deeds)
Scheduled securities coverage available; replacement of lost securities requires affidavit.
Watercraft & accessories
Specialty boat insurance is generally better for boats.
Trailers (non-watercraft)
Utility trailers may need separate coverage.
Business property (in home)
Business pursuits endorsement or commercial policy preferred.
Business property (off premises)
Lower limit when away from home.
Electronics in motor vehicle
Sublimit applies when in vehicle.
Tools (theft only)
Higher coverage via scheduled rider.
Cards (debit/credit/ATM)
Identity theft coverage available separately.
Tableware (silver, gold)
Schedule for full replacement.
Fine art, antiques, collectibles
Almost always benefits from scheduling.
Mold remediation
Endorsement increases mold cap.
Tree, shrub, plant removal
5% of Coverage A maximum often applies.
Debris removal (covered loss)
5% of Coverage A or fixed sublimit.
Sublimits vary by carrier and policy form. Verify your specific policy declarations page. Scheduled personal property endorsements override standard sublimits with agreed values.
Browse standard Florida HO-3 sublimits for jewelry, firearms, cash, and other categories.
Mechanism
How it works
Browse common sublimits across personal property categories. See what items need scheduling.
Output
What it tells you
Standard sublimits and which items typically benefit from scheduled riders.
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