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Table of Contents
Insuring Your Home
Basic Coverage Availible
Replacement Cost Versus Actual Cash Value
Insurance Packages
Other Factors to Consider
How to Select an Insurance Agent
How to Select an Insurance Company
Options if You Can’t Find Coverage
Your Lending Institution
In Case of Loss
Policy Termination
Burglary Prevention
Your Rights and Responsibilities
Insurance Discrimination Against Victims of Abuse
Protecting Your Privacy
Community Outreach Programs
Insurance Fraud Costs Us All
Glossary

Charts and Diagrams
Declarations Page
The Loss Chart for Basic Policy
Homeowners Inventory Checklist

Under federal law, some banks and insurance companiesmay have the right to share sensitive and personal information about you with other entities and business interests ñ without your permission.

Florida laws, and rules established by the Florida Department of Financial Services, provide a way for you to protect this information. You must take the lead in protecting your personal information as the policyholder.

When you purchase a financial or insurance product, you will receive a privacy notice. These forms give you the opportunity to tell the company that you want your personal information kept private. Unless you complete and return these forms, your personal financial and medical information may be shared with other companies. You may receive these forms on an annual basis, and be required to complete them to keep your information confidential.

When you receive a privacy notice form, read it carefully before signing it to avoid unintentionally giving the company permission to share information about you. If you have questions or concerns about these forms, call the DFS Consumer Helpline toll-free at 1-800-342-2762.