Condominium Unit Owners Policy
The following chart is a snapshot view of the available coverages and endorsement options of a St. Johns Condominium Unit
Owners policy. To get additional information, please consult your agent. If you do not have an agent, click on the
"Locate an Agent" button to find the St. Johns Agent nearest you.
Homeowners (HO-6) |
| Coverage |
| Additions & Alterations Coverage |
$5,000 Minimum $150,000 Maximum |
| Contents Limits |
$25,000 Minimum $300,000 Maximum |
| Personal Liability Limits |
$100,000 $300,000 & $500,000 *
*only available if required by the umbrella policy |
| Base Deductible |
All other Perils- $1000
Hurricane - 2% (when wind coverage is included) |
Optional Deductible
*Availability based on Coverage "A" limit |
All other Perils- $500 and $2500
Hurricane- 5% |
| Additional Coverage and Information |
| Replacement Cost Coverage on Contents |
Optional Endorsement (HO 04 90) |
| Scheduled Personal Property |
Optional Endorsement (HO 04 61) |
| Unit Owners Coverage A - Special Coverage |
Optional Endorsement (HO 17 52) |
| Increased Loss Assessment Coverage |
Optional Endorsement (HO 04 35) |
| Increased Ordinance & Law Coverage |
Optional Endorsement (HO 04 77 10) |
| Identity Theft Expense Coverage |
Optional Endorsement (SJ HO 130) |
| Personal Injury Coverage |
Optional Endorsement (HO 03 33) |
| Payment Plans Offered |
Full Pay, 2 Pay, and 4 Pay |
Note: These guidelines are subject to change