Florida insurance guides
Straight answers to the questions Florida homeowners, drivers and families ask most, each checked against official sources.
Got a Citizens non-renewal or takeout letter? Here's what to do next
What a Citizens Property Insurance non-renewal or takeout offer means for Florida homeowners, how the 20% rule works, and the steps to take before your deadline.
Updated October 31, 2026
Florida roof age rules for home insurance: the 15-year law explained
What Florida law says about roof age and home insurance: why insurers can't refuse a roof under 15 years old on age alone, and how an inspection protects older roofs.
Updated October 31, 2026
Florida hurricane deductibles: how the 2%, 5% and 10% options work
How Florida's hurricane deductible works: the $500, 2%, 5% and 10% options, when the deductible period starts and ends, and a worked example.
Updated October 31, 2026
Flood insurance in Florida: NFIP, private flood and the Citizens requirement
Why standard Florida home insurance doesn't cover flooding, how NFIP and private flood policies differ, the 30-day waiting period, and the Citizens flood requirement.
Updated October 31, 2026
Florida wind mitigation inspections: what they check and how they cut your premium
What a Florida wind mitigation inspection is, what the OIR-B1-1802 form records, how long it stays valid, and the 2026 form update homeowners should know about.
Updated October 31, 2026
Florida car insurance requirements: the minimums, and what they don't cover
Florida's required auto insurance explained: $10,000 PIP and $10,000 property damage liability, what each covers, and why most drivers carry more.
Updated October 31, 2026
Final expense insurance in Florida: how it works and who it's for
A plain-English guide to final expense (burial) insurance for Florida seniors: coverage amounts, health questions, waiting periods and how to compare policies.
Updated October 31, 2026
ACA open enrollment in Florida for 2027: dates, deadlines and how to enroll
Key dates for Florida's 2027 Marketplace open enrollment on HealthCare.gov, when coverage starts, and what to do if you miss the window.
Updated October 31, 2026