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Coverage Options in Florida

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Insurance Coverage Options in Florida

Florida’s long and narrow, limestone-based peninsula extending into the Gulf of Mexico and the Atlantic Ocean is a prime target for tropical storms, hurricanes, and sinkholes. Extreme winds, the potential for flooding, and crumbling foundations mean insurance is imperative in this state, especially for homeowners and renters. Having the right policy is crucial in covering your property from a catastrophic event.

The following coverages are offered to customers in Florida:

Florida homeowners’ insurance policies from UPC covers loss of personal property and covers those living within the residence. We understand, however, that living in Florida comes with additional needed coverage and customized options, which is why we offer:


These flexible products feature no coastal restrictions or age of home restrictions for those properties in Florida that are older or historic, and even offers golf cart coverage.

To see our promise to Florida and full benefits for our Florida insurance policyholders, download the Florida state coverage flyer here.

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Enhanced Coverage for the Sunshine State

Since the possibility of flooding and hurricane damage is so prominent in Florida, we’ve added optional and customized coverage enhancements to help rebuild and replace pre-loss property damage. We consider all the risks of living in the Sunshine State so we can give assurance to our policyholders. That’s why we offer optional and customizable coverage enhancements:

  • Personal Property Replacement Cost
  • Personal Injury
  • Ordinance or Law Coverage
  • Lock Replacement

…and even:

  • Securities
  • Credit Cards
  • Jewelry
  • Silverware
  • Firearms (Theft)
  • Business Property

To see all available coverage enhancements, download our flyer here.




Rent or own in the state of Florida? Getting coverage has never been easier than with UPC Insurance.



You can report a claim 24 hours a day, 7 days a week. With over $2.5 billion in claims paid, UPC is here to help Keep the Promise®.