Homeowners Insurance (HO3)

Protection that’s rooted in resilience—designed for the Florida home.

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Homeowners Insurance Coverage For:

Owner-occupied single-family homes

Owner-occupied duplexes

Homeowners looking for stable, Florida-focused protection

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Homeowners Insurance

Our HO3 Homeowners policy is built to protect what matters most: your home, your belongings, and your peace of mind. Designed for owner-occupied singlefamily homes and duplexes, this policy offers broad, flexible coverage tailored to meet the needs of Florida homeowners.

Whether you’re weathering a storm or handling the unexpected, our HO3 policy is there to help you recover quickly, confidently, and with the strength of a carrier made for this market.

New to Mangrove from Citizens? Explore our FAQs for more details.

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HO3 Key Features

Comprehensive Protection

Comprehensive Protection for your home’s structure (Coverage A), other structures (Coverage B), personal belongings (Coverage C), and loss of use (Coverage D).

Liability Coverage

Liability Coverage to protect you against personal liability claims.

Windstorm & Hurricane Coverage Options

Windstorm & Hurricane Coverage Options tailored to Florida’s coastal risk.

Enhanced Coverage Endorsements

Enhanced Coverage Endorsements like replacement cost for personal property, water backup, or screened enclosure protection.

Responsive Claims

Responsive Claims Service powered by our dedicated Grove Repair Solution team.

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Protect & Protect Plus+ Endorsements

At Mangrove, we understand that your home is more than just a structure, it’s where life happens. That’s why we offer two Coverage Package options, designed to expand your standard homeowners’ policy with added protection and peace of mind. These optional endorsement bundles offer some of our most valuable coverages into one convenient package, helping you close gaps and stay better protected without the guesswork.

Coverage
Personal Property Coverage
Increased Cov. C
Refrigerated Products – loss due to power failure
Lock Replacement when keys are lost or stolen
Water Backup and Sump Overflow
Coverage D Loss of Use
Personal Injury Liability
Property Damage to Property of Others
Money
Securities
Jewelry, Watches & Furs
Silverware, Goldware & Pewterware
Business Property On Premises
Business Property Off Premises
Electronic Apparatus in a Motor Vehicle
Personal Computers and Peripherals
Credit Cards, Fund Transfer Cards, Forgery
Loss Assessment
Standard
Actual Cash Value
50% Default
Not Available
Not Available
Available via Endorsement
10%
Available via Endorsement
$500
$200
$1,000
$1,000
$2,500
$2,500
$250
$1,000
$1,000
Not Available
$1,000
Protect
Replacement Cost
50% of Cov. A
$500 per occurrence
$500 per occurrence
$5k per occurrence
($1k ded.)
Extended
Not Included
$1,000
$300
$1,500
$2,500
$3,500
$3,500
$500
$2,500
$5,000
$2,500
$5,000
Protect Plus+
Replacement Cost
75% of Cov. A
$500 per occurrence
$500 per occurrence
$5k per occurrence
($1k ded.)
Extended
Coverage Limit equal to
Cov. E
$1,000
$500
$2,000
$5,000
$5,000
$10,000
$1,000
$5,000
$10,000
$5,000
$10,000

Coverage Options per Package

Personal Property Coverage

Standard: Actual Cash Value
Protect: Replacement Cost
Protect+: Replacement Cost

Increased Cov. C

Standard: 50% Default
Protect: 50% of Cov. A
Protect+: 75% of Cov. A

Refrigerated Products – loss due to power failure

Standard: Not Available
Protect: $500 per occurrence
Protect+: $500 per occurrence

Lock Replacement when keys are lost or stolen

Standard: Not Available
Protect: $500 per occurrence
Protect+: $500 per occurrence

Water Backup and Sump Overflow

Standard: Available via Endorsement
Protect: $5k per occurrence ($1k ded.)
Protect+: $5k per occurrence ($1k ded.)

Coverage D Loss of Use

Standard: 10%
Protect: Extended
Protect+: Extended

Personal Injury Liability

Standard: Available via Endorsement
Protect: Not Included
Protect+: Coverage Limit equal to Cov. E

Property Damage to Property of Others

Standard: $500
Protect: $1,000
Protect+: $1,000

Money

Standard: $200
Protect: $300
Protect+: $500

Securities

Standard: $1,000
Protect: $1,500
Protect+: $2,000

Jewelry, Watches & Furs

Standard: $1,000
Protect: $2,500
Protect+: $5,000

Silverware, Goldware & Pewterware

Standard: $2,500
Protect: $3,500
Protect+: $5,000

Business Property On Premises

Standard: $2,500
Protect: $3,500
Protect+: $10,000

Business Property Off Premises

Standard: $250
Protect: $500
Protect+: $1,000

Electronic Apparatus in a Motor Vehicle

Standard: $1,000
Protect: $2,500
Protect+: $5,000

Personal Computers and Peripherals

Standard: $1,000
Protect: $5,000
Protect+: $10,000

Credit Cards, Fund Transfer Cards, Forgery

Standard: Not Available
Protect: $2,500
Protect+: $5,000

Loss Assessment

Standard: $1,000
Protect: $5,000
Protect+: $10,000
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Optional Endorsements

Whether you’re a new homeowner or simply looking to strengthen your existing protection, our endorsement options make it easy to get the added coverage you need, all at a competitive rate. Ask your agent if the additional coverages are right for your home and lifestyle.

Discounts, credits, and savings opportunities may vary by policy and are subject to eligibility. Not all discounts are available on all policies.

Screened Enclosure and Carport
Personal Injury
Ordinance or Law
Golf Cart Physical Damage & Liability

Animal Liability
Water Back Up & Sump Overflow
Specific Other Structures
Scheduled Personal Property

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Discounts & Credits

At Mangrove, we offer a range of discounts and credits that can help lower your premium while keeping your home well protected. Here are some common ways Florida homeowners can save:

Discounts, credits, and savings opportunities may vary by policy and are subject to eligibility. Not all discounts are available on all policies.

Wind Mitigation Credits

Wind Mitigation Credits

Homes with qualifying wind-resistant features like impact windows, reinforced roofs, or hurricane shutters may be eligible for significant savings.

Security & Safety Systems

Security & Safety Systems

Homes with centrally monitored burglar or fire alarms, water leak sensors, or automatic shutoff devices may receive additional credits.

Paperless Discount

Paperless Discount

Go green and save! Enroll in paperless billing and policy documents to receive a discount on your premium.

Secured Community Discount

Secured Community Discount

Homes located in a gated and/or guarded community may be eligible to receive an additional discount.

Senior Citizen Discount

Senior Citizen Discount

Homeowners at 55+ are eligible for a discount as part of our recognition of long-term responsibility and care.

Accredited Builder Credit

Accredited Builder Credit

Homes constructed by approved accredited builders may be eligible for additional savings based on quality construction practices.

Financial Responsibility Credit

Financial Responsibility Credit

Homeowners who demonstrate strong financial responsibility including a favorable insurance score may qualify for premium credits.

Talk to your agent to see which discounts apply to your home and how Mangrove can help you stay protected while saving where it counts.