At Logical Insurance Solutions USA, we recognize that protecting your assets is a top priority. Whether it’s your home, business, or rental property, we offer a variety of insurance plans designed to fit your coverage needs and budget, giving you peace of mind when it matters most.
Flood Insurance
Flood insurance in Florida covers your home's structure and your personal belongings. Building coverage includes the foundation, electrical systems, and attached fixtures, while contents coverage includes furniture, clothing, and electronics. Policies from the National Flood Insurance Program (NFIP) have coverage limits of $250,000 for the building and $100,000 for contents, but private flood insurance options may offer higher limits and additional coverage like temporary living expenses. You should always have flood insurance even if you are NOT in a flood zone! Why? Because in Florida, if you go with the NFIP, you lock in your elevation should your zone change. This is a huge savings in the future should this happen. More than 40% of flood insurance claims through the National Flood Insurance Program (NFIP) come from properties outside high-risk flood zones, while a 2025 FEMA report indicates over 20% of claims originated from these supposedly "safe" areas, underscoring the reality that flooding is a risk everywhere in Florida, not just within designated flood zones.
Site-Built Homes Homeowners (HO-3, HW-2)
This policy type is available for detached, single-family homes and duplexes in which at least one unit is owner-occupied. The owner must live in the home as their primary residence. A homeowners policy covers the building, other structures on the property, and the owner’s personal property, and also provides additional living expenses and personal liability coverage.
Modified Homeowners (HO-8)
Another type of homeowners policy—HO-8—offers modified coverage for 11 named perils, with several major exclusions. This limited coverage excludes many types of losses, including most caused by water. Full replacement cost coverage is not available with an HO-8 policy. Claim payments are commonly made for actual cash value, which can result in significantly lower claims payouts. HO-8 policies may not meet the minimum insurance requirements of many mortgage holders. Confirm with your mortgage holder that the HO-8 policy meets your insurance requirements before purchasing.
Dwelling Fire (DP-3, DW-2)
This policy is available for tenant-occupied properties and properties that otherwise may not qualify for an HO-3 or HO-8 policy. It provides coverage for the dwelling, other structures on the property, personal property, and loss of rent or additional living expenses. Coverage for tenants’ or renters’ contents and liability is available.
Dwelling Fire (DP-1)
While similar to the DP-3 policy, the DP-1 policy provides more limited coverage for only certain named perils.
Condos Condominium Unit Owners (HO-6, HW-6)
For condominium-unit owners who live in the condominium unit, this policy provides coverage for certain features of the unit’s interior, your personal property, additional living expenses, and liability coverage.
Renters Tenant/Renters Contents (HO-4, HW-4)
Available to renters or tenants of a site-built home, apartment, or condominium unit (excludes manufactured and mobile homes), this policy covers renter or tenant personal property, additional living expenses, and liability. It does not provide coverage for the structure itself.
Contact Us Today
Protect your home, business, or rental property with insurance plans you can trust. Contact Logical Insurance Solutions USA today to explore coverage options and secure a policy tailored to your needs.