Specialty Insurance Options in Florida
Some of the things worth protecting do not fit inside a standard home or auto policy: a collector car, an appraised ring, a golf cart that shares the road in a gated community, a house that sits empty between owners, a home you rent to tenants. Each has a policy or an endorsement written for it, and each is compared across the carriers we represent the same way a home or auto quote is. This page lays out what each specialty policy is designed to do, and how to have it priced by a licensed Florida agent in every county in the state.
Specialty coverage at a glance
Where standard policies stop
Standard policies are built for the things most households share: the house, the cars, the everyday liability. The lines on this page pick up where those leave off, from the collector car that comes out on weekends to the appraised ring that a homeowners policy caps at a few thousand dollars, and each is better served by a policy or an endorsement designed around it.
Cornerstone Insurance is a family-owned, Trusted Choice® independent agency writing personal insurance in every county in Florida. We represent 25+ carriers across our personal lines, so when you ask us to quote something on this page, you see how more than one market prices it rather than taking a single company’s word for it. Below is plain-language education on each coverage, with a quick way to start a quote on the one you need, or call or text 813.920.8181 and a licensed Florida agent will talk it through with you.
Antique and collector car insurance
A collector car that lives in the garage and comes out on its own schedule is a different risk profile than a daily commuter, and collector programs price it that way, often on an agreed-value basis set with the carrier up front so a total loss pays the number you agreed on rather than a depreciated figure. These policies sit alongside the regular auto insurance on your daily vehicles, usually with mileage limits, storage requirements, and an expectation that the car is not the household’s only transportation.
“Collector” reaches past antiques. Limited-production and exotic newer cars, street rods, replicas, lowriders and tuners, retired service vehicles like a well-kept fire truck, and pro-street or raced builds can all fit a collector program, and so can vintage motorcycles. We place collector coverage through specialists such as Hagerty and compare it with what a standard carrier will offer, so you see both. Hurricane season matters here too: a collector policy is designed to cover storm damage under its comprehensive terms, and the storage plan for a named storm is worth settling before June.
Start a collector car quote →Article floaters: scheduled coverage for valuables
Many homeowners, condo, and renters policies set special, lower limits on categories of valuables that are easy to move, such as jewelry, fine art, watches, firearms, and collectibles, particularly for theft, and the limit is often a small fraction of what one piece is worth. An article floater, also called scheduled personal property, lists a specific item at a specific value, usually supported by an appraisal or receipt, and is designed to cover it for theft, loss, or damage subject to the policy’s terms, often with no deductible and with coverage for mysterious disappearance that the base policy leaves out.
Scheduling is done two ways: as an endorsement on the home policy through your existing carrier, or as a stand-alone valuables policy through a specialty market when the collection is large or the home carrier’s limits run out. Working with your agent, the starting point is an inventory with appraisals and photos, and the review is worth repeating when an item is added or the market for it moves.
Start an article floater quote →Golf cart and low-speed vehicle insurance
In many Florida communities a golf cart does the errands a second car would. A standard golf cart that stays on the course and the community’s cart paths is sometimes covered in a limited way by a homeowners policy, and often is not, especially once it crosses a public street, carries guests, or is driven by a teenager. A low-speed vehicle, the street-legal kind with a VIN, lights, and a tag, is a registered motor vehicle in Florida and carries the same registration minimums as a car, $10,000 of personal injury protection and $10,000 of property damage liability, plus whatever liability and physical damage you add.
A golf cart policy is designed to carry liability for injuries and damage the cart causes, physical damage for theft, collision, and storm damage, and medical payments for passengers, subject to its terms, and it is inexpensive relative to what a cart accident with a guest aboard can cost. Tell your agent how the cart is used and whether it is street-legal, and the right form follows.
Start a golf cart quote →Vacant home, landlord, and manufactured home policies
A house that sits empty, between a sale and a closing, during a long renovation, or after a move, is outside what most homeowners policies are written for, and many carriers limit or exclude coverage once a home has been unoccupied for a set number of days. A vacant home policy is designed to cover the structure during that stretch, usually on a shorter term, with liability for the property and the option to convert once someone moves in. Tell your agent the day a home empties, because the gap opens without any notice from the carrier.
A home you rent to tenants belongs on a landlord policy, usually a dwelling-fire form such as a DP-3, with coverage for the structure, liability for the rental, and lost rental income after a covered loss, rather than an owner-occupied homeowners policy. Our DP-3 landlord guide covers what those policies include and how carriers price a Florida rental. Manufactured and mobile homes are their own market as well, with carriers, forms, and wind rules of their own, and our Florida mobile home insurance guide walks through it in detail.
Start a vacant home or landlord quote →One independent agency for the whole list
Cornerstone Insurance is a family-owned, independent Florida agency, and independent is the part that works in your favor. We represent many carriers rather than one, so when you ask us to quote something, you see how more than one market prices it rather than taking a single company’s word for it, in every county in Florida.
It starts with getting to know you, what you own, and what already has a policy, because the right questions asked up front keep you from overpaying or leaving a gap. When a quote wins your business, we help you make the switch cleanly, and we are the same people to call as things change; there is more about us on our company page. One boundary we keep on purpose: we write personal insurance only, no commercial policies. Everything we quote, compare, and service is built around what people and families own.
How a specialty quote works here
Tell us what you are protecting once. Our one-entry quote request runs it across the carriers we represent for that line, and a licensed agent works with you as a team from the first question to the bound policy.
Step 1
Get a quote
A licensed Florida agent asks what you own, how it is used, what it is worth, and what already has a policy, so the coverage fits the item rather than a category.
Step 2
Review your options
Because we’re independent, the same item is priced across the specialty markets we represent and your existing home or auto carrier, with the options side by side.
Step 3
Switch with ease
We handle the paperwork with you, line up effective dates, and stay a call or text away as the collection, the cart, or the property changes.
Frequently asked questions
Do you write commercial insurance?
No. Cornerstone is a personal lines agency, and we keep it that way on purpose. We insure what people and families own: homes, autos, collector cars, valuables, golf carts, vacant and rental homes, and manufactured homes. If you need coverage for a business, we are honestly not the right agency for that policy, but for everything personal, that single focus works in your favor.
What specialty insurance can Cornerstone help me with?
The lines on this page: antique and collector car insurance, article floaters for scheduled valuables, golf cart and low-speed vehicle policies, vacant home coverage, landlord and dwelling-fire policies for rental homes, and manufactured home insurance. They sit alongside home, auto, flood, and umbrella, so one independent agency can look after the whole picture.
Does homeowners insurance cover jewelry and fine art?
Every policy is different, so your own documents are the place to start, but many homeowners policies apply special, lower limits to categories of valuables that are easy to move, especially for theft. Where an item is worth more, an article floater lists it individually at a value usually supported by an appraisal or receipt, often with no deductible. Reading your declarations page with your agent is the quickest way to see where your limits stand.
My classic car only leaves the garage a few times a year. How is it insured?
That is exactly the car collector programs are built for. Limited use and careful storage are what make a vehicle a fit, and many collector policies are written on an agreed-value basis, so you and the carrier settle the car’s value up front. Your daily drivers keep their regular auto policy; the collector car gets one shaped around how it actually lives.
Does my homeowners policy cover my golf cart?
Sometimes in a limited way, and often not at all once the cart leaves your property, crosses a public street, or carries guests, and the terms vary by carrier. A street-legal low-speed vehicle is a registered motor vehicle in Florida with the same registration minimums as a car. A golf cart policy of its own carries liability, physical damage, and medical payments, subject to its terms, and it is inexpensive relative to what a cart accident with a passenger can cost.
What happens to my coverage if my house sits empty?
Many homeowners policies limit or exclude coverage once a home has been unoccupied for a set number of days, commonly 30 to 60, and a claim during that window can be denied under those terms. A vacant home policy is designed to cover the structure during a sale, a renovation, or a move, and the time to arrange it is the day the home empties, not after something happens.
What kind of policy do I need for a home I rent out?
A landlord policy, usually a dwelling-fire form such as a DP-3, written for the structure, the liability that comes with tenants, and lost rental income after a covered loss. An owner-occupied homeowners policy is not written for a rental, and a claim on a home a carrier believes you live in can go badly when it learns otherwise. Tell your agent how the property is used and the right form follows.
Do you insure manufactured and mobile homes?
Yes. Manufactured homes are their own market in Florida, with specialist carriers, their own forms, and wind rules that differ from site-built homes. Our Florida mobile home insurance guide covers the year-built rules, the carriers we recommend most, and what drives the premium.
Do you write these policies everywhere in Florida?
Yes. Cornerstone writes personal insurance in every county in Florida. Wherever you live in the state, the process is the same: call or text 813.920.8181, tell a licensed Florida agent what you are protecting, and we will compare your options across the carriers we quote.
What other types of insurance do you offer?
Just about every policy a Florida household carries, through one independent agency:
Related Florida insurance guides
What a Florida rental property policy includes, and how carriers price it.
Read the landlord guide →The year-built rules, the carriers, and what drives a manufactured home premium.
Read the guide →The base policy the valuables endorsement sits on.
Homeowners insurance →The daily drivers, and the coverage built above the state minimum.
Auto insurance →Carrier lineups and risk profiles for all 67 Florida counties.
Browse the county guides →