Select Dwelling Fire (DP-1) Coverage Comparison

This comparison is for informational purposes only and is not intended to interpret your Citizens policy.  This information does not confer any rights upon you and does not alter, amend, change or negate the coverage set forth in your Citizens policy.  Your rights and responsibilities are specifically set forth in your Citizens policy.  Please refer to your Citizens policy, or contact your agent if you have questions about your Citizens coverage.

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Coverage Type

Coverage Details

Can the Coverage be added, changed or excluded, or the limit increased?

Standard Coverages

Coverage A : Dwelling (Primary Structure)

Covered Causes of Loss

Named Peril with Extended Coverage Option

Yes, See optional coverages.

Loss Settlement
(Replacement Cost or Actual Cash Value)

Replacement Cost

No

 

Note: If the dwelling is insured at less than 80% of its replacement cost, a co-insurance penalty may apply.

Minimum Coverage A
(Coverage for the dwelling)

$6,000

No

Maximum Coverage A

$1,000,000

*60,000 Owner Occupied Risks

Yes, with acceptable value substantiation and Underwriting approval.

Coverage B : Other Structures
(Buildings or structures that are not the Primary Structure)

Covered Causes of Loss

Named Peril with Extended Coverage Option

No
Loss Settlement

Replacement Cost on buildings, Actual Cash Value on structures that are not buildings.

No
Coverage Amount (as a percentage of Coverage A)

10% Included

 

Note: Use of Coverage B reduces Coverage A limit for the same loss.

Yes, Available limits are:

Excluded 0% | 2% | 5%
Coverage A and B note

Structures such as aluminum framed screened enclosures, screen pool cages or similar structures enclosed by screens on more than one side, constructed to be open to the weather are not covered. Any structure that has a roof, exterior wall, or covering of thatch, grass, palm, lattice, slats, or similar material is not covered for hurricane damages.

Yes, but only for aluminum framed screened enclosures, screen pool cages or similar structures enclosed by screens on more than one side. If endorsed with Hurricane – Limited Screen Enclosures and Carports Coverage.

 

There is no coverage option to for any structure that has a roof, exterior wall, or covering of thatch, grass, palm, lattice, slats, or similar material is not covered for hurricane damages.

Pool coverage

In-ground pools that adjoin or
abut the dwelling and are not
separated from the dwelling
by clear space are covered
under Coverage A. In-ground
pools that are separated from
the dwelling by clear space
are covered under Coverage
B. Above-ground pools are
covered as personal property, Coverage C if owned by the named insured.

Yes, maximum Coverage A, B and C limits apply

Coverage A, B and D: Special Limits

Cosmetic and Aesthetic Damage to Floors

N/A

N/A

Coverage C: Personal Property

Covered Causes of Loss

Named Perils

No

Loss Settlement

(Replacement Cost or Actual Cash Value)

Actual Cash Value

No

Coverage Amount

(as a percentage of Coverage A)

0%

Yes, may add up to a maximum of 50% of Coverage A

Coverage C: Personal Property Special Limits

Theft away from premises

Not Covered

No
Money, bank notes, etc.

Not Covered

No
Securities, deeds, etc.

Not Covered

No
Watercraft (other than personal watercraft, which are excluded)

Not Covered

No
Trailers not used with watercraft

Not Covered

No
Jewelry/furs

Not Covered

No
Firearms

Not Covered

No
Silverware

Not Covered

No
Business property on premises

Not Covered

No
Business property off premises

Not Covered

No
Electronic apparatus

Not Covered

No
Refrigerated property on premises

Not Covered

No
Refrigerated property off premises

Not Covered

No

Reasonable Emergency Measures Limit

Costs incurred solely to protect property from further damage or unwanted entry, resulting from a covered loss

We will pay up to the greater of $3,000 or 1% of your Coverage A limit of liability.

No

Coverage D: Fair Rental Value

(as a percentage of Coverage A)

Up to 10% of A
(reduces A for same loss)

No
Coverage L: Liability

Optional

Yes, Available limits are:  $100,000 or $300,000
Coverage M: Medical Payments

Optional

Yes, Available limit is $2,000
Additional Coverages

Debris Removal (Trees – Wind)

Not Covered

No

Credit Card, Fund Transfer, Forgery and Counterfeit Money

Not Covered

No

Loss Assessment

Not Covered

No

Optional Coverages

Animal Liability

Not Covered

No

Earthquake Coverage

Not Covered

No

Extended/increased replacement cost on dwelling

Not Covered

No

Golf Cart

Limited Coverage Included

No

Identity Theft or Identity Fraud Expense Coverage

Not Included

No

Incidental Occupancy

No

Yes, Permitted Incidental Occupancies endorsement is available.
Limited Fungi, Wet or Dry Rot, or Bacteria Coverage Section I – Property

$10,000 limit

Yes, may elect to increase:
Opt 1: $25,000 Each covered loss
           $50,000 Policy Aggregate
Opt 2: $50,000 Each covered loss

           $50,000 Policy Aggregate
Limited Fungi, Wet or Dry Rot, or Bacteria Coverage Section II – Liability

$50,000 limit

No

Windstorm or Hail Exclusion

No

Yes, the peril of Windstorm or Hail can be excluded.
Ordinance or Law
(as a percentage of Coverage A)

Not Covered

No
Sinkhole

Catastrophic Ground Cover Collapse is covered as defined by 627.706 of the Florida Statutes.

Yes, Restrictions apply; Sinkhole Loss Coverage is available. (Sinkhole-specific deductible applies; inspection is required at the insured’s expense & is subject to underwriter approval)
Scheduled Personal Property

Not Covered

No

Water Backup of Sewers and Drains or Sump Overflow

Not Covered

No
Loss Reporting & Repair Limitations

Permanent repairs made without company authorization

Not Covered

 

Exceptions: Except for Reasonable Emergency Measures; there is no coverage for repairs that begin before the earlier of:
a. 72 hours after we are notified of the loss;
b. The time of loss inspection by us; or

c. The time of other approval by us.

N/A

Water Loss Limitations

Is water damage coverage limited based on the age of dwelling?

Water Damage is excluded for all risks regardless of age.

No

Is there a complete water damage exclusion?

N/A

N/A

If water damage is excluded, is a buy-back offered?

N/A

N/A

Is there a coverage limitation restricting tear-out, and are repairs only to the portion of the plumbing system or appliance that caused the loss?

N/A

N/A

Roof Loss Settlement Limitations

Actual Cash Value Loss Settlement due to age of roof?

N/A

N/A

Actual Cash Value Roof Loss Settlement due to roof type?

N/A

N/A

Claims Handling

Preferred Contractor (managed repair) – optional

Our policyholders are provided with the option of using one of our approved professional contractors

N/A

Preferred Contractor (managed repair) – mandatory

N/A

N/A

How is Additional Living Expense paid/administered?

N/A

N/A

Other

Wind Mitigation Credits

Available

Yes, credits are subject to results from features specified on Wind Mitigation Inspection & color photos.

Deductible Options

Hurricane Deductibles

(as a percentage of Coverage A)

$500, 2%, 5%, 10%

Available deductible options

based on Coverage A amount

All Other Peril Deductibles

$500, $1,000, $2,500

Available deductible options

based on Coverage A amount
Payment Options

Are payment plans available, other than full-pay?

Yes

N/A

If Yes to above, what payment options are available?

A. Full Pay

B. Semi-Annual

C. Quarterly

N/A

What down payment percentage is required for each?

A. 100%

B. 60%

C. 40%

N/A
Is premium finance available/acceptable?

No

N/A
Discounts
  • Age of Construction
  • Fire Alarm
  • Automatic Sprinklers
  • Hip Roof
  • Wind Mitigation

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