Florida is one of only two no-fault auto insurance states in the United States — the other is Michigan. If you drive in Florida, you are required by law to carry Personal Injury Protection (PIP) coverage, which means your own insurance pays your medical bills after a crash regardless of who caused it. The system … Read more
Florida flood insurance is one of the most misunderstood coverages in the state. About 20% of Florida homeowners think their standard home policy covers flooding. None of them do. Flood is excluded from every Florida HO-3 policy, period. The day after a hurricane, the people who skipped flood insurance are the ones writing $40,000 to … Read more
Citizens Property Insurance is the largest home insurer in Florida, with about 1.3 million policies in force in 2026. It is also the only Florida insurer that is run by the state — created by the legislature in 2002 as the “insurer of last resort” for homeowners who cannot find private coverage. Whether Citizens is … Read more
TL;DR Florida hurricane insurance coverage — key facts: Wind damage IS covered under standard HO-3 policies (roof, siding, windows, wind-driven rain through openings) Flood damage is NOT covered — storm surge and rising water require a separate NFIP or private flood policy Florida uses a percentage-based hurricane deductible (typically 2%, 5%, or 10% of dwelling … Read more
TL;DR Cheapest car insurance in Florida 2026 — key facts: Florida full coverage averages $2,560/year — roughly double the US national average of $1,440 Cheapest carriers in Florida 2026: USAA ($1,490/yr, military only), Mile Auto ($1,360 low-mileage), Root ($1,580), GEICO ($1,840), State Farm ($1,920) Miami full coverage averages $3,840/year; Gainesville averages $1,720/year — a $2,100 … Read more
TL;DR Florida home insurance 2026 — key facts: Statewide average premium: $5,533/year for $300,000 dwelling coverage (≈3× the US average of $1,900) Miami-Dade averages $10,800/year; Florida Keys (Monroe) average $13,200/year; inland North Florida around $3,200/year Top 10 carriers still writing new business: Citizens, State Farm, Universal P&C, Tower Hill, People’s Trust, Heritage, HomeownersChoice, Slide, Kin, … Read more