Florida Dwelling Fire Policy
The following chart is a snapshot view of the available coverage and endorsement options of a St. Johns Dwelling Fire policy. To get additional information, please consult your agent. If you do not have an agent, click on the "Find an Agent" button to find the St. Johns Agent nearest you.
Dwelling Fire (DP-3) |
| Coverage |
| Dwelling (Coverage A) Limits |
$75,000* Minimum $1,000,000 Maximum*
$100,000 minimum coverage A in coastal territories |
| Other Structures Limits |
1% to 20% of "Coverage A" |
| Contents Limits |
$0 to $250,000 |
| Fair Rental Value plus Additional Living Expense |
10% of "Coverage A" |
| Personal Liability Limits/Medical Payments |
$100,000/$1,000 or $300,000/$5,000 |
| Base Deductible |
All Other Perils - $500
Hurricane - $500 |
| Optional Deductible |
All other Perils - $1,000, $2,500 and $5,000
Hurricane - 2%, 5%, and 10% of Coverage A |
| Endorsements |
| Personal Property Replacement Cost |
Optional Endorsement (SJ DP PPRC) |
| Loss Assessment Coverage |
Optional Endorsement (DP 04 63) |
| Theft |
Optional Endorsement (DP 04 73) |
| Ordinance or Law Coverage |
Optional Endorsement (DP 04 71) |
| Payment Plans |
| Full Pay |
Full payment of the gross annual premium plus all policy fees due at the inception of the policy. |
| 2 Pay Plan* |
60% of the policy premium plus all policy fees and assessments is due at the inception of the policy, the remaining 40% of the premium is due 180 days after the inception of the policy. |
| 4 Pay Plan* |
40% of the policy premium plus all policy fees and assessments is due at the inception of the policy, the remaining 60% of the premium is due in three equal installments at 90, 180, and 270 day intervals. |
| *Each installment, except the full payment plan, is subject to an installment fee based on the pay plan and the base policy premium. Please contact an agent for additional details. |
Note: These guidelines are subject to change