Basic Choice Policy

This policy allows policyholders who are looking for a more affordable option or who do not qualify for a traditional homeowner's insurance policy to have tailored coverage for their needs.

owner occupied

The Basic Choice policy may be written as an Owner-Occupied dwelling only in Miami-Dade, Broward, and Palm Beach counties at this time. The home must be used exclusively as a private residence, and can be rated as either primary or secondary/seasonal.


Tenant-occupied homes must have a minimum of 12-month lease and must be occupied 12 months out of the year. Tenant-occupied homes may only be rated primary tenant occupied.


A Basic Choice policy may not be issued to an irrevocable trust, land trust, estate of, or if in probate. If an insured solely or primarily owns more than 4 rental properties, regardless of where the properties are insured, a policy may not be written unless Liability and Medical Payments are excluded.

Basic Choice - Named Perils

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Fire or lightning

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Riot or civil commotion

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Volcanic eruption

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Windstorm or hail (with an option to exclude windstorm coverage)

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Catastrophic ground collapse

Basic Choice - Exclusions

Not limited to the following:

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Water Damage

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Earth Movement - Sinkhole or Settling

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War/Nuclear Hazard

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Vandalism and Malicious Mischief (Vandalism or Malicious Mischief coverage is available for Owner Occupied dwellings only.)

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Power Failure

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Government Action

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Theft / Intentional Loss

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Falling Objects

Basic Choice Coverage Options

Basic Choice offers home insurance for owner and non-owner occupied homes. It can potentially lower overall home insurance costs while satisfying most lender requirements.

Coverage A

Dwelling Coverage Limits range from $50,000 to $2,000,000. Tri-County limits range from $100,000 to $2,000,000. Dwelling needs to be insured to 100% Replacement cost.

Coverage B

Other Structures options are 2%, 5%, 10%, 15%, and 20% of Coverage A. It may also be excluded.

Coverage C

Owner-occupied properties: Contents coverage is included at 25%, available options are 10%, 50%, or 75% of Coverage A. Excluding contents requires the insured to submit a completed PTIC E008 form. Non-owner occupied properties: Not eligible for contents coverage.

Coverage D

Loss of Use is included at 10% of Coverage A.

Coverage E

Personal Liability coverage options are offered at $10,000, $25,000, $50,000, $100,000, $300,000 or option to exclude. If the named insured is a Corporation, Trust, LLC, or Association: Option to select Premises Liability endorsement with the same coverage options above.

Coverage F

Medical Payments to Others coverage options are offered at $2,000, $5,000, or option to exclude.