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The Trusted Florida Insurer

Olympus is relentless about providing Florida homeowners with quality personal property insurance products at competitive rates. Like you, we call Florida our home. Our agents and office staff have a deep understanding of the unique situations Floridians face and the protection they need for complete peace of mind. Whether you are a full-time resident, a seasonal Floridian, or the owner of Florida rental property, Olympus offers special features and flexible options that customize coverage around your priorities. Discover why Olympus stands in a class of its own as the trusted provider for Florida Homeowners/Townhouse, Condominium, and Landlord/Rental Property insurance.

You-First Customer Service

Personalized service is becoming a lost art in today’s fast-paced world of 800 numbers and discount providers. That’s why Olympus proudly maintains a statewide network of more than 1,000 dedicated/appointed agents and more than 3,000 agency contacts who give our customers the undivided attention they deserve. Your relationship with Olympus begins with a licensed insurance professional who will take the time to document the details that affect policy type, coverage and premiums. With a thorough understanding of your policy and available options, you can make smart choices that balance coverage cost and full protection.

Rock-Solid Fiscal Strength

Olympus shines over the Sunshine State as a stable, reliable, organically grown Florida insurer with the financial strength to weather any storm. Founded in 2007, Olympus is financially secure and steadily growing. Olympus carefully underwrites each personal property that we insure, including verification by a certified inspector that all risks are in proper insurable condition—at no cost to you. Our personalized approach and expert analysis helps Olympus avoid the spiraling costs that lead to high premium rates. In addition to placing our Catastrophe Excess of Loss Reinsurance Program with some of the world’s most respected reinsurance partners, Olympus is dedicated to disciplined business strategies that continually earn a Financial Stability Rating® (FSR) of A, Exceptional from Demotech, Inc.

For a free, no-obligation quote on any Olympus insurance product, complete the short form on the right hand side of this page.

Homeowners

Olympus Insurance Company’s broad form provides property and liability coverage for a range of dwelling values from $100,000 to $2,000,000. With an Olympus policy, you can customize coverage to fit your needs while feeling confident that the fundamental perils are covered in your policy. 

Some of the additional endorsements offered include:   

Our Spartan Enhanced Coverage Package which offers up to 5 times more protection on the things that are most important to you such as: Trailers, jewelry, furs, firearms, business property on and off the premises, silverware and credit cards. Spartan Enhanced Coverage also offers you special coverage that’s not available with a basic policy including: Identity fraud expenses, personal property replacement costs, loss of use due to power stoppage, refrigerated property, lock replacement, water backup and sump overflow. With Spartan Enhanced Coverage, you also get more protection from damages for which you could be personally liable. 

Other additional endorsements offered: 

Coverage for backed-up water/sewage.

Animal liability coverage.

Extended replacement cost — 125%.

All risk contents replacement cost.

Loss assessment increase.

Increased special personal property limits.

Optional sinkhole coverage.

Locate an agent near you to help guide you through the process.

Condominiums

As the owner of a condominium unit, you have insurance needs that are different from other homeowners. Typically, there is a master policy purchased by the condominium association that covers the exterior building, walkways and common grounds; you are responsible for insuring only the personal interests associated with your owned unit such as interiors walls, flooring, cabinets, appliances, personal property and personal liability.

Here are some of the policy coverages we offer:

Maximum limits of $1,000,000 on dwelling and $1,000,000 on contents.

Condo Unit Owners Special Coverage A, which provides coverage for additional perils not covered on your basic policy form.

Property and liability coverage for when your unit is rented to others.

Increased hurricane deductibles are available.

Replacement cost coverage on dwelling and contents is available.

$2,000 loss assessment included with increased limits up to $5,000.

No prior insurance review.

Animal liability coverage is available.

Locate an agent near you to help guide you through the process.

Rental Property

Olympus Insurance Company now offers a comprehensive rental property product rivaling the Homeowners Broad Form designed to provide coverage for single-family residential rental, investment and seasonal properties owned by individuals or other entities.

* Although the policy is written on the standard DP3 form, the program includes several coverage enhancements not available in most rental property programs:
Replacement value limits up to $2,000,000.

Optional personal property replacement cost.

Short-term rental coverage for coastal or inland properties.

Ordinance or law coverage automatically included in policy. 

Optional theft coverage for contents.

Vacant property coverage.

Optional sinkhole coverage.

Premium discounts for secured community, senior/retiree or companion policy.

Trusts, partnerships, corporations and other entities may be written without personal or premises liability coverage.

Screen enclosures excluded, but buyback is available at competitive rates.

Semiannual and quarterly pay plans.

Dwellings under construction coverage.

*The earliest version of the Rental Property Policy protected dwellings and personal property against loss from a handful of perils such as fire, explosion, smoke, vandalism and wind.

Locate an agent near you to help guide you through the process.

Scheduled Property

Olympus Insurance Company also offers optional scheduled property coverage with:
Broader coverage and higher limits than standard homeowners policies.

No deductible.

Lost or stolen items coverage, sometimes referred to as mysterious disappearance.

Newly acquired items coverage provides automatic coverage for newly acquired items similar to your current schedule for 90 days.

Coverage options include:
Blanket coverage for all your jewelry without the need to schedule each piece; maximum coverage of $350,000, with a per-item limit max of $50,000. Itemized coverage so you can schedule all of your valuables at an agreed-upon value determined before inception of policy.

Locate an agent near you to help guide you through the process.

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Olympus Insurance is licensed by the state of Florida.
Information found on this site is intended for Florida residents only.

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