HO6 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 Perils

Yes, by adding Unit-Owners Coverage A – Special Coverage endorsement this modifies loss settlement from named perils to open perils coverage.

Loss Settlement
(Replacement Cost or Actual Cash Value)

Replacement Cost

No

Minimum Coverage A
(Coverage for the dwelling)

$1,000

No

Maximum Coverage A

$200,000

Yes, with acceptable value substantiation and underwriter approval.

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

Covered Causes of Loss

N/A

N/A
Loss Settlement

N/A

N/A
Coverage Amount (as a percentage of Coverage A)

N/A

N/A

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.

Yes, by adding Hurricane Limited-Screened Enclosures and Carports Coverage but only for aluminum framed screened enclosures, screen pool cages or similar structures enclosed by screens on more than one side.

 

There is no coverage option for any other structure.

Pool coverage

In-ground pools that adjoin or abut the dwelling are covered under Coverage A. Above-ground pools are covered as personal property, Coverage C.

Yes, maximum Coverage A, B and C limits apply

Coverage A, B and D: Special Limits

Cosmetic and Aesthetic Damage to Floors

$10,000 combined limit for Coverages A, and D

No

Coverage C: Personal Property

Covered Causes of Loss

Named Perils

No

Loss Settlement

(Replacement Cost or Actual Cash Value)

Actual Cash Value

Yes, Personal Property Replacement Cost endorsement is available

Coverage Amount

(as a percentage of Coverage A)

Minimum Coverage C: $ 6,000

Maximum Coverage C: $200,000

Yes

Coverage C: Personal Property Special Limits

Theft away from premises

Yes, up to 10% of the limit shown for Coverage C or $1,000 whichever is greater.

No
Money, bank notes, etc.

$200 limit

No
Securities, deeds, etc.

$1,000 limit

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

$1,000 limit

No
Trailers not used with watercraft

$1,000 limit

No
Jewelry/furs

$1,000 limit

No
Firearms

$1,000 limit

No
Silverware

$2,500 limit

No
Business property on premises

$2,500 limit

No
Business property off premises

$250 limit

No
Electronic apparatus

$1,000 limit

No
Refrigerated property on premises

$500 limit

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.

N/A
Coverage D: Loss Of Use (as a percentage of Coverage C)

20%

No
Coverage E: Liability

$100,000

Yes, Limit of $300,000 is available.
Coverage F: Medical Payments

$2,000

No
Additional Coverages

Debris Removal (Trees – Wind)

$500 limit

No

Credit Card, Fund Transfer, Forgery and Counterfeit Money

$500 limit

No

Loss Assessment

$2,000 limit

Yes, $3,000 is available.

Optional Coverages

Animal Liability

Not Covered

No

Earthquake Coverage

No

No

Extended/increased replacement cost on dwelling

No

No

Golf Cart

Limited Coverage Included

No

Identity Theft or Identity Fraud Expense Coverage

Not Included

No

Incidental Occupancy

Not Included

No
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)

25%

Yes, 50% limit available
Sinkhole

Included

No
Scheduled Personal Property

Not Included

No

Water Backup of Sewers and Drains or Sump Overflow

Not Included

Yes, may add Water Back Up and Sump Overflow endorsement $5,000 limit.
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?

No

No

Is there a complete water damage exclusion?

No

No

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?

No

N/A

Roof Loss Settlement Limitations

Actual Cash Value Loss Settlement due to age of roof?

No

N/A

Actual Cash Value Roof Loss Settlement due to roof type?

No

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

No

N/A

How is Additional Living Expense paid/administered?

Check

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 C amount

All Other Peril Deductibles

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

Available deductible options

based on Coverage C 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
  • Burglar Alarm
  • Fire Alarm
  • 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