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Florida Residential Insurance Coverage
Personalized residential insurance solutions with guidance to help you choose coverage that fits your needs.
Trusted Protection
Florida Insurance Solutions
Why Residential Coverage Matters
Coverage designed to help protect your home, finances, and everyday life.
Peace of Mind
Confidence knowing you have coverage in place.
Financial Protection
Reduce the financial impact of unexpected covered losses.
Liability Protection
Protection against certain claims involving injury or property damage.
Unexpected Events
Coverage when unexpected covered losses occur.
Home & Property
Protection designed for your home and property.
Homeowners Insurance
Coverage for Your Home and More
Homeowners insurance provides coverage for the structure of your home and can also protect other structures on your property, personal belongings, and personal liability. It may also provide additional living expenses if a covered loss makes your home temporarily uninhabitable.
Dwelling & Other Structures
Coverage for your home and eligible structures on your property, such as a detached garage, fence, or shed, against covered losses.
Personal Property Coverage
Coverage for personal belongings such as furniture, clothing, electronics, and other possessions when damaged or lost due to a covered event.
Personal Liability Protection
Coverage for certain claims if you’re legally responsible for bodily injury or property damage to others.
Condo Insurance
Coverage Beyond the Master Policy
Condo insurance helps protect the interior of your unit, personal belongings, and personal liability where coverage may not be provided by your condominium association’s master policy. Depending on the policy and association responsibilities, coverage may include interior walls, flooring, cabinetry, fixtures, and improvements within your unit. It may also provide additional living expenses if a covered loss makes your condo temporarily uninhabitable.
Interior Features & Improvements
Coverage for eligible interior portions of your unit, such as walls, flooring, cabinetry, fixtures, and improvements you may be responsible for insuring.
Personal Property Coverage
Coverage for personal belongings such as furniture, clothing, electronics, and other possessions when damaged or lost due to a covered event.
Personal Liability Protection
Coverage for certain claims if you’re legally responsible for bodily injury or property damage to others.
Landlord Insurance
Coverage for Your Rental Property
Landlord insurance is designed for residential properties that are rented to others. It provides coverage for the structure of the rental property and can also include other structures, landlord-owned property used to maintain or service the rental, and liability protection. Depending on the policy, coverage may also be available for loss of rental income following a covered loss.
Dwelling & Other Structures
Coverage for the rental dwelling and eligible structures on the property, such as a detached garage, fence, or shed, against covered losses.
Landlord Liability Protection
Coverage for certain claims if you’re legally responsible for bodily injury or property damage related to the insured rental property.
Loss of Rental Income
Coverage that may help replace lost rental income when a covered loss makes the insured property uninhabitable, subject to policy terms and limits.
Renters Insurance
Protection for You and Your Belongings
Renters insurance provides coverage for your personal belongings and personal liability while you rent a home, apartment, or condo. While your landlord’s insurance generally covers the building itself, it does not cover your personal belongings. Renters insurance may also provide additional living expenses if a covered loss makes your rental temporarily uninhabitable.
Personal Property Coverage
Coverage for belongings such as furniture, clothing, electronics, and other possessions when damaged or lost due to a covered event.
Personal Liability Protection
Coverage for certain claims if you’re legally responsible for bodily injury or property damage to others.
Additional Living Expenses
Coverage that may help with certain additional living costs if a covered loss makes your rental temporarily uninhabitable, subject to policy terms and limits.
Flood Insurance
Be Prepared for the Unexpected
Flood insurance provides coverage for certain losses caused by flooding, which is different from many types of water damage covered under other property policies. A flood generally involves rising or overflowing surface water affecting normally dry land and is typically not covered by standard homeowners insurance. Even if your property is not located in a high-risk flood zone, Florida’s unpredictable weather and heavy rainfall can create flood risk in many areas. Flood insurance can provide coverage for the building and, depending on the policy selected, personal property within the home.
Building Coverage
Coverage for eligible parts of the insured building and its foundation, along with certain permanently installed systems and fixtures, when damaged by a covered flood.
Personal Property Coverage
Coverage may be available for eligible belongings inside the home when damaged by a covered flood, depending on the policy and coverage selected.
Covered Flood Losses
Protection against direct physical damage caused by a covered flood, subject to the policy’s definition of flood, coverage limits, and exclusions.
Manufactured / Mobile Home Insurance
Coverage Designed for Your Home
Manufactured and mobile home insurance provides coverage specifically designed for the unique needs of these homes. Coverage includes the structure of the home and can also protect personal belongings and personal liability. Depending on the policy, coverage may also be available for other structures on the property and additional living expenses if a covered loss makes your home temporarily uninhabitable.
Dwelling Coverage
Coverage for the structure of your manufactured or mobile home against covered losses.
Personal Property Coverage
Coverage for belongings such as furniture, clothing, electronics, and other possessions when damaged or lost due to a covered event.
Personal Liability Protection
Coverage for certain claims if you’re legally responsible for bodily injury or property damage to others.
Personal Umbrella Insurance
Extra Protection Beyond Your Liability Limits
Personal umbrella insurance provides an additional layer of liability protection beyond the limits of certain underlying policies, such as homeowners and auto insurance. It can provide higher liability limits for qualifying covered claims involving bodily injury or property damage and may help protect your assets when a significant liability claim exceeds the limits of an underlying policy.
Additional Liability Protection
Provides additional liability coverage above the limits of qualifying underlying insurance policies.
Higher Coverage Limits
Extends your available liability protection for certain covered claims that exceed the limits of an underlying policy.
Protection for Your Assets
Coverage that can help protect your finances and assets from significant covered claims.
Coverage Disclaimer
Coverage descriptions are provided for general informational purposes only. Coverage, limits, deductibles, exclusions, and availability may vary by policy and insurance carrier. All coverage is subject to the specific terms, conditions, limitations, and exclusions of the policy issued.
Find the Right Insurance Coverage in Florida
From homeowners and condo insurance to flood, rental property, and personal umbrella coverage, K&O Insurance Partners can help you explore residential insurance options based on your property and individual needs.
Trusted Advisors
Professional guidance to help you understand your coverage options and make informed decisions.
Personalized Solutions
Insurance options tailored to your property, needs, and individual circumstances.
Dedicated Support
Responsive service and ongoing assistance whenever questions or insurance needs arise.
K&O Insurance Partners
Let’s find coverage that fits your property, needs, and circumstances.
K&O Insurance Partners, Inc.
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