American Integrity Insurance Group, a Florida residential, new business property insurance company, will now offer a policy designed for Floridians with owner occupied, primary residences valued from $750,000 to $1.5 million.
In addition to the coverage provided for the dwelling itself through an HO-3 policy form, policyholders can request specialized coverage for personal property such as jewelry, furs, fine art, musical instruments, silverware/goldware, coin/stamp collections, cameras, and guns working with their insurance agent to “schedule” these items according to certain guidelines.
Other features of the policy include:
- Replacement cost coverage that will pay the amount to rebuild the home and replace personal possessions at the current cost with no depreciation
- Optional personal injury protection against lawsuits
- Optional coverage in case of water backup with sewers and drains
Based in Tampa Bay, FL, American Integrity Insurance Co. specializes in residential property. It currently has 170,000 policies in-force and is represented by over 700 independent agents. The company offers property insurance products such as coverage for vacant homes, manufactured homes and dwelling fire policies in addition to homeowners insurance.
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