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Protection for your home, your belongings, and your family.

As a homeowner, you’ve got a lot to protect beyond your house.  You need insurance protection for the structures that surround your home, your personal belongings and most importantly, your family’s assets. Protect all of this with a homeowners policy from Gulfstream.

What does a homeowners policy cover?

Insurance policies can vary greatly from one company to another. When shopping for insurance, it’s important to understand what the policy covers, what might be excluded and any coverage limitations that may apply. Under a standard Gulfstream homeowners policy, you’ll get coverage for your:

  • Dwelling includes your home’s walls, roof, flooring, cabinets, countertops, etc. It also includes structures attached to your dwelling, such as a porch and interior elements like chandeliers and built-in appliances.

  • Personal property includes items such as furnishings, clothing, jewelry, electronics, housewares (such as pots, pans, and dishes), medicines, health and beauty supplies.

  • Loss of use of your property covers relocation costs and temporary living expenses if your home is damaged and you can not live there while it’s being repaired.

  • Liability protects your assets that may be at risk if you or a family member were accused of causing injury or damage to others. Liability insurance also covers legal defense costs in these cases.

  • Other structures on your property include storage sheds, fences, and detached garages.

Homewoners Coverage

Do you know how much coverage you need? Gulfstream agents have many tools to help estimate the value of your home and property. They can help you determine the policy limits and important coverages needed. Remember, the market value of your home usually does not represent the amount of insurance you need.

What are additional coverages?

Insurance policies aren’t “one size fits all.” That’s why we offer additional coverages that allow you to customize your policy. For example, if you have a screened pool, you can add coverage for screened enclosures to our standard policy. You can also increase policy limits if you need the extra coverage for your personal property or personal liability.

Some additional coverages that are commonly added to our standard policy include:

  • Personal Property Replacement Cost Coverage

    Adds coverage* which will (usually) pay the replacement or repair cost. The standard policy provides Actual Cash Value coverage for personal property, which is today's market value minus depreciation.

    *Property such as antiques and collectibles (which cannot be replaced) are excluded.

  • Equipment Breakdown Coverage

    Adds coverage for your home's equipment including appliances, computers, televisions, heating and cooling systems, pool equipment and more.

  • Golf Cart Coverage

    Adds specialized coverages like physical damage protection, and liability protection if someone is injured by your golf cart.

  • Personal Injury Coverage

    Provides liability coverage, including legal defense costs for claims that may occur due to false arrest, libel or malicious prosecution.

  • Animal Liability Coverage

    Adds coverage for damage or bodily injury caused by an animal owned or kept by you or other insured family members.

  • Identity Theft Expense Coverage

    Adds coverage for expenses incurred from identity theft such as attorney fees, notarizing affidavits and other costs associated with restoring your identity.

  • Loss Assessment Coverage

    Includes coverage for assessments that your homeowners association may charge all owners due to a covered loss.

  • Scheduled Personal Property Coverage

    Broader protection for your valuable property such as jewelry, silver, fine arts, antiques and collectibles.

  • Increased Ordinance or Law Coverage

    When your home has been damaged, the construction, repair or demolition of the damaged property must comply with current ordinances and laws. Often times, this results in higher repair costs. The Increased Ordinance or Law Coverage endorsement increases coverage for these higher repair costs by as much as 50% of your dwelling limit.

  • Carports, Pool Cages and Screen Enclosures

    Adds coverage for losses due to wind/hail/hurricane for carports, pool cages and screened enclosures. Losses for these structures caused by wind/hail/hurricane are excluded under the standard policy.

  • Additional Amount of Insurance for Dwelling

    Increases dwelling coverage by 25% and applies when dwelling losses exceed your policy limits.

  • Water Back up and Sump Overflow Coverage

    Adds coverage for damage caused by water that backs up through sewers or drains, or water that overflows from a sump pump.

  • Business Property and Permitted Incidental Occupancies

    Coverage for property used in a trade or business is limited or excluded under the standard policy. This endorsement adds coverage for eligible occupancies, such as a home office.

What kind of losses are covered?

A typical policy covers losses due to fire, smoke, lightning, wind, hail, frozen plumbing, theft, explosion, vandalism, the weight of ice and snow. Losses from hurricanes and storms may be subject to a separate deductible. Refer to your policy for a description of all covered perils.

What does my policy exclude?

Coverage for losses due to flood are always excluded. That’s why it’s important to consider adding a separate flood insurance policy. Some policies may also exclude losses due to wind/hail. In addition, your policy has limits on the amount of coverage for certain items or situations; for example, your policy may have a coverage limit of $1,000 for theft of jewelry. To get a clear picture of what your policy limits and exclusions are, it’s best to talk to your Gulfstream agent.

How much does a homeowners insurance policy cost?

The cost of your policy depends on many factors. The deductible you select can have a big impact on pricing. If you choose a higher deductible, you can save on your annual policy premium.

Other factors that impact pricing include the location, age of your home, construction type, roof shape, and the amount of coverage you need. The best way to determine the cost of your homeowners policy is to contact a Gulfstream agent and get a quote.

We offer many credits and discounts* for homeowners including:

  • Burglar Alarm Discount
  • Fire Alarm Discount
  • New Home Credit
  • Gated or Guarded Community Discount
  • Building Code Effectiveness Grading Credit
  •  Windstorm Mitigation Feature Credits (i.e. hip roof & hurricane shutters)
  • IBHS Fortified for Safer Living Home Credit
  • New Roof Credit
  • Roof Pitch Credit
  • Companion Policy Discount

*Some discounts are not available in all states.

Ready to get started with homeowners insurance? Contact a Gulfstream agent for a quote today.

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If your home is located in Alabama, please review the Alabama Policyholder Bill of Rights.

If your home is located in Mississippi, please review the Mississippi Policyholder Bill of Rights.

If your home is located in Texas, please review the Texas Policyholder Bill of Rights (English) or (SPANISH)

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state or area, and exclusions may apply.


Gulfstream insurance is available in the following states:

**Gulfstream is not writing new business in the states of Mississippi or Texas at this time.

Contact Us

Address for Gulfstream policy payments
& correspondence:

P.O. Box 100248
Columbia, SC 29202-3248

Customer Service: 866.485.3004, option 4
Insurance Claims: Flood Claims 888.481.1159 All other claims 866.485.3005

Flood Insurance Mailing Address

Find an agent. Get a quote for insurance.

Need assistance selecting the coverage that's right for you? Talk to one of our local agents.