Products

Homeowners Insurance

At Patriot Select, we understand the importance of protecting your assets in Florida’s dynamic environment. Our property and casualty insurance policies are tailored to address the unique risks faced by property owners in the Sunshine State, providing comprehensive coverage and peace of mind.
Patriot Select offers the standard homeowners insurance policy (HO-3) that provides coverage for your home and your belongings should a covered loss occur. It also provides other essential protection for you and your property.

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Our standard policy can be customized to meet your specific insurance needs, as described below. We also provide Patriot and Minuteman premium packages with the most popular additional options bundled for your convenience. Please consult with your agent or find an agent to help determine the right coverage for your unique needs.
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Coverage Standard Policy Patriot Package Minuteman Package
Your home(Coverage A) at full replacement cost ✔ ✔ ✔
Other structures (Coverage B), for example, a detached garage - optional limits 1-20% of Coverage A ✔ ✔ ✔
Personal property (Coverage C), for example, a sofa or a TV - from 0 to 75% of coverage A ✔ ✔ ✔
Loss of use (Coverage D), temporary living expenses should your home become unlivable due to a loss caused by a covered peril, 10% of coverage A ✔ ✔ ✔
Personal liability (Coverage E), bodily injury or property damage incurred by others as a result of your actions, multiple options available ✔ ✔ ✔
Medical payments (Coverage F), accidents or injuries to others while at your home, multiple options available ✔ ✔ ✔
Comprehensive deductible options ✔ ✔ ✔
Optional roof settlement schedule and other discounts (see below) ✔ ✔ ✔
Coverage C limit 50% of Cov A 70% of Cov A
Lock replacement coverage $250 $500
Increased additional amount of insurance up to 20% of Coverage A ✔
Personal injury coverage ✔ ✔
Law & ordinance 10% of Cov A 25% of Cov A 25% of Cov A
Fire department service charge $500 $750 $1,000
Money, bank notes, gold $200 $200 $300
Securities, deeds, etc. $1,500 $1,500 $2,500
Theft of jewelry, watches, furs, precious and semi-precious stone $1,500 $3,000 $5,000
($2,500 per item)
Theft of firearm $2,500 $2,500 $3,500
Theft of silverware $2,500 $2,500 $4,000
Business property on premises $2,500 $2,500 $3,000
Business property off premises $500 $500 $750
Credit card, fund transfer card, forgery and counterfeit money $500 $1,000 $2,000
Loss assessment $1,000 $5,000 $10,000
Personal property replacement cost ✔ ✔
Water backup/sump overflow coverage $5,000 $5,000
Discounts

Discounts

  • Senior/Retiree– A 10% discount applies to policies where the applicant / named insured is at least age 60, or at least age 55 and also retired.
  • Veteran/Military – A 5% discount is available when any named insured is active duty or retired from the U.S. Armed Forces as evidenced by a current or expired proof of military service.
  • Secured Community/Building – A discount may apply for homes located in protected communities.
  • Accredited Builder – Applies to new homes built by an accredited builder who meets certain criteria.
  • Protective Device – A discount may apply to fire protection types or home security systems.
  • Age of Roof – A discount is given for HO-3 policies with an age of roof 10 years old and newer.
  • Windstorm Loss Mitigation Discounts – Protecting your property can make a difference in your insurance costs. When a policy covers the peril of Windstorm or Hail, the risk may be eligible for a premium credit up to a maximum of 90% of the wind premium if one or more loss mitigation features or construction techniques exist. Supporting documentation that substantiates the existence of loss mitigation features is required in order to receive the credits. Speak with your agent to see if you qualify or find out what steps you must take to request discounts.