Dwelling Coverage (Coverage A)
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Replacement cost to rebuild your home
Other Structures (Coverage B)
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Fences, detached garage, shed (10% of dwelling)
Personal Property (Coverage C)
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Furniture, electronics, clothing & belongings
Additional Living Expenses (Coverage D)
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Temporary housing if home is uninhabitable
Personal Liability (Coverage E)
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Legal protection if someone is injured on property
Medical Payments (Coverage F)
$5,000
Minor medical bills regardless of fault
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Flood Insurance is separate. Standard homeowners policies do NOT cover flood damage. Florida properties — especially coastal and low-elevation areas — are at significant risk.
Learn about flood coverage →
Estimated Annual Premium Range
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Actual premiums vary by carrier, credit score, claims history, and coverage options
Important Disclaimer: This estimator provides a general educational estimate only. It is not a quote, binder, or insurance contract. Actual coverage amounts and premiums depend on your specific property, carrier underwriting guidelines, your claims history, credit-based insurance score, and other factors. Contact Unity First Insurance for a free, accurate quote tailored to your home.
