Homeowners Policy
The following chart is a snapshot view of the available coverages and endorsement options of a St. Johns Homeowners
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-3) |
| Coverage |
| Dwelling Limits |
$100,000 Minimum $1,000,000 Maximum*
*Higher limits available on a consent to rate basis |
| Other Structures Limits |
Standard 2% of Coverage "A"
Maximum 10% of Coverage "A" |
| Contents Limits |
Standard 50% of Coverage "A" *
*Other options Available |
| 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 - 10%, 5%, $1000, and $500 |
| Additional Coverage and Information |
| Replacement Cost Coverage on Contents |
Optional Endorsement (HO 04 90) |
| Scheduled Personal Property |
Optional Endorsement (HO 04 61) |
| 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