Florida Homeowners 
HO-3 Program 
• AM Best 'A' Rated Coverage
• Flexible Non-Admitted guidelines 
• Windstorm and AOP Deductible credits 

ACORD or any carrier applications 
accepted for quotation.  

Submissions: quotes@firestoneagency.com
Florida Homeowners HO-3 Submission
Florida HO-3 coverage for owner occupied one or two family low to mid-value dwellings demonstrating pride of ownership.  Dwelling must be used exclusively as a private residence with no business activities. 

Unacceptable Risks include but not limited to the following:
  •    Rental properties or roomers and boarders
  •    Corporate or business owned properties
  •    Mobile homes, farm and ranch properties
  •    Vacant seasonal or unoccupied properties

  •    Rental properties or roomers and boarders
  •    Corporate or business owned properties
  •    Mobile homes, farm and ranch properties
  •    Vacant seasonal or unoccupied properties
    •    Business conducted on premises or day care exposures
    •    Builders Risks or properties under renovation
    •    Foreclosure, bankruptcy or unstable financial condition
    •    Properties with more than two mortgagees