Florida Insurance Guides
Plain-language answers to the questions Florida drivers, homeowners, condo owners and families ask us most, in English and Spanish.
Florida Car Insurance Requirements: What the Law Requires
What Florida's minimum car insurance covers, why the minimum often isn't enough, and when you need an SR-22 or FR-44.
Read the guideHurricane Deductibles in Florida, Explained
How Florida hurricane deductibles work: how they're calculated, when they apply, the once-per-season rule and how to choose the right one.
Read the guideDo I Need Flood Insurance in Florida?
Why homeowners insurance doesn't cover flooding, who is required to carry flood insurance in Florida, NFIP vs. private flood, and the 30-day waiting period.
Read the guideCondo Insurance in Florida After the New Condo Safety Laws
What Florida's condo safety laws mean for owners, what the association's policy covers vs. your HO-6, and why loss assessment coverage matters.
Read the guideFlorida ACA Open Enrollment: Dates and How to Get Help
When Florida's Affordable Care Act Open Enrollment starts, the December 15 deadline for January 1 coverage, special enrollment periods and free help in English and Spanish.
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