Wind Only Homeowners Comparison

Document was prepared to provide a quick reference guide and does not supersede or change any of the coverages or exclusions existing in the actual policy form.

Coverage
Description

Citizens
Wind Only Policy HW2

Safepoint
Wind Only HW2

Coverage Type

Wind Hail Only

Wind Hail Only

Building Coverage

Building Coverage

Minimum $25,000 Maximum $1,000,000

Minimum $25,000 Maximum $2,000,000

Loss Settlement

Replacement Cost - (ACV initially, then we will pay any remaining amounts necessary to perform such repairs as work is performed and expense are incurred)

Replacement Cost - (ACV initially, then we will pay any remaining amounts necessary to perform such repairs as work is performed and expense are incurred)

Are pool cages, porches, carports and fences covered under Coverage A?

None, Awnings, aluminum carports, and aluminum framed screened enclosures are excluded fom coverage

None, Awnings, aluminum carports, and aluminum framed screened enclosures are excluded fom coverage

Coastal Construction Control Line Exclusion

Policy pays no amount in excess of ACV on structures pursuant Florida Statutes 161.052 and 161.053

Policy pays no amount in excess of ACV on structures pursuant Florida Statutes 161.052 and 161.053

Other Structures Coverage

Percentage of Building Coverage

2% standard; Options 0, 5% and 10%

As assumed from Citizens, 0, 2, 5 and 10% available

Loss Settlement

Buildings at Replacement Cost; Structures that are not Buildings are at ACV

Buildings at Replacement Cost; Structures that are not Buildings are at ACV

Are pool cages, porches, carports and fences covered under Coverage B?

None, Awnings, aluminum carports, and aluminum framed screened enclosures are excluded fom coverage

None, Awnings, aluminum carports, and aluminum framed screened enclosures are excluded fom coverage

Coastal Construction Control Line Exclusion

Policy pays no amount in excess of ACV on structures pursuant Florida Statutes 161.052 and 161.053

Policy pays no amount in excess of ACV on structures pursuant Florida Statutes 161.052 and 161.053

Contents Coverage

Percentage of Building coverage

25% Standard; Coverage available up to 50%

Safepoint provides coverage at the level of the Citizens policy assumed 25% minimum may be endorsed to 50%

Loss Settlement

ACV, Replacement cost available

ACV, Replacement cost available

Personal Property Off Premises

Covered (limited to 10% of Coverage "C" limit or $1,000 whichever is greater)

Covered (limited to 10% of Coverage "C" limit or $1,000 whichever is greater)

Loss of Use Coverage

Percentage of Building Coverage

10%

10%

Time Limit

24 months

24 months

Liability & Medical Payments

Not Available

Not Available

Ordinance or Law Limit

25% or 50% of Coverage A

25% or 50% of Coverage A

Extra Coverage / Special Limits

Fungi, Wet or Dry Rot, Yeast or Bacteria

$10,000 Property Limit

$10,000 Property Limit

Loss Assessment

$1,000

$1,000

Debris Removal Limit

Covered (Up to 5% of Coverage A)

Covered (Up to 5% of Coverage A)

Tree Removal Limit

Maximum $500 per tree $1000 total.

Maximum $500 per tree $1000 total.

Business Property Coverage Limit

$2500 on residence premises

$2500 on residence premises

Lock Replacement

Not Available

Not Available

Water Backup,Sewer and Drains

Not Available

Not Available

Electronic Data Restoration

Not Available

Not Available

Special Limits of Liability

Maximums

Maximums

Money, Coins and Medals

$200

$200

Securities and Collectable Stamps

$1,500

$1,500

Trailers

$1,500

$1,500

Watercraft

$1,500

$1,500

Jewelry, Watches, Furs, Precious Stones

$1,000

$1,000

Silverware, Gold

$200

$200

Grave Markers

$5,000

$5,000

Miscellaneous Coverage

Ordinance or Law Limit

No

No

Fungi, Wet or Dry Rot, Yeast or Bacteria

No

No

Loss Assessment

No

No

Contact Information:

24 Hour Claims:
855-CLAIM15
Personal Lines:
877-858-7445
Commercial Lines:
844-722-9985
This company was issued a rating by the A.M. Best Company, click for additional details
FSR for SAFEPOINT INSURANCE COMPANY

Customer Service

Phone: 877-858-7445
Fax: 813-906-6474
underwriting@safepointins.com
billing@safepointins.com

Payments

Safepoint Insurance Company
P.O. BOX 292547
Tampa, FL 33687

Overnight Mail

Safepoint Insurance Company
8761 N 56th Street
Box 292547
Tampa, FL 33617