Products

Protecting Florida Homes With Confidence

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 a range of property insurance solutions designed to protect your home, belongings, and investment properties in Florida’s ever-changing environment. From our standard homeowners insurance policy (HO-3) for owner-occupied homes to our dwelling property policy (DP-3) for rental and non-owner-occupied properties, each option is built to provide dependable coverage when a covered loss occurs—along with essential protections to help safeguard you, your property, and your income.

Homeowners Insurance Solutions

HO-3 Homeowners Insurance

Our HO-3 policy is designed for owner-occupied homes, offering broad protection for your property and personal belongings. It covers your home against a wide range of risks, including common causes of loss like fire, wind, and theft, while also providing liability protection if someone is injured on your property. With flexible options and dependable coverage, the HO-3 helps safeguard what matters most—so you can feel confident in your protection year-round.

DP-3 Dwelling Property Insurance

Our DP-3 policy is ideal for rental or non-owner-occupied properties, providing reliable protection for your investment. It offers coverage for the structure against a broad range of covered perils and can include protection for loss of rental income if the property becomes uninhabitable due to a covered loss. Whether you own a single rental home or multiple properties, the DP-3 helps you manage risk and protect your income with confidence.

Optional Coverages

Home Systems Protection

Your home relies on more technology and connected systems than ever before. When those systems break down due to a mechanical or electrical failure, repairs can be expensive, and warranties don’t always cover the loss. Home Systems Protection provides an extra layer of coverage for the essential systems and equipment that keep your home running.

Service Lines

A damaged underground service line can lead to costly repairs and unexpected disruption. Service Line Coverage helps cover the repair or replacement of underground utility lines on your property that you are responsible for maintaining. This coverage is available with Home Systems Protection.

ID Theft

Identity theft can happen unexpectedly and create significant stress, expense, and time-consuming recovery efforts. Identity Theft Coverage helps provide protection and support if your personal information is stolen, including assistance with restoring your identity and covering certain related expenses.

We provide a “Fully Managed” Identity Theft Restoration Service. Which means we perform all the services required on behalf of the policyholder. We will perform all services until your identity is restored to pre-theft status.

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.*

*Not applicable for DP-3 policies.

Enhance Your HO-3 Coverage Today

Relax with confidence tomorrow

Our standard HO-3 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.

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