Florida HO8 Insurance

Florida HO-8 Insurance policy is designed for older homes in Florida. The Florida HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Florida are Prudential, Safeco, Farmers Insurance and Nationwide and they operate in cities such as Miami, Tampa, Fort Lauderdale or Orlando.

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What Will HO8 Insurance Cover in Florida?

A standard home insurance policy in Florida whether you live in Miami, Orlando or Tampa will cover most damages to your FL home and your personal belongings from perils such as burglary, aircrafts damage from falling objects, riots, theft, trucks or vehicles.

What is Florida HO8 Insurance?

Homeowners insurance coverage that pays actual cash values or repairs in rebuilding cost and personal property. This type of policy is designed for older house or historical properties.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Florida. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Florida?

The policy will cover any home in the state Florida such as:
  • Boca Raton, FL
  • Bradenton, FL
  • Clearwater, FL
  • Daytona Beach, FL
  • Fort Lauderdale, FL
  • Fort Myers, FL
  • Fort Pierce, FL
  • Gainesville, FL
  • Jacksonville, FL
  • Melbourne, FL
  • Miami, FL
  • Naples, FL
  • Orlando, FL
  • Pensacola, FL
  • Pompano Beach, FL
  • Saint Petersburg, FL
  • Sarasota, FL
  • Tallahassee, FL
  • Tampa, FL
  • West Palm Beach, FL