Tower Hill Insurance is one of Florida’s largest domestic homeowners insurance companies — a Gainesville-based insurer that has served Florida homeowners since 1972. Unlike many national carriers that have reduced or eliminated their Florida homeowners presence, Tower Hill has remained firmly committed to the Florida market, making it one of the most widely available domestic … Read more
Citizens Property Insurance Corporation is Florida’s state-created insurer of last resort — a government-backed entity established by the Florida Legislature to provide homeowners insurance to property owners who cannot obtain coverage in the private market at affordable rates. As of 2026, Citizens remains one of the largest homeowners insurers in Florida by policy count, covering … Read more
State Farm is the largest property and casualty insurance company in the United States by premium volume, and it remains one of a handful of major national carriers still actively writing homeowners insurance in Florida. While many of State Farm’s national competitors have reduced or eliminated their Florida homeowners presence, State Farm has maintained market … Read more
One of the most consequential — and least understood — choices in Florida homeowners insurance is whether your policy pays claims on an Actual Cash Value (ACV) basis or a Replacement Cost Value (RCV) basis. The difference between these two approaches can mean tens of thousands of dollars in your pocket (or out of it) … Read more
Florida homeowners are frequently offered both home insurance and home warranty coverage, and the two products are often confused or conflated — particularly by first-time buyers and newcomers to the state. While they sound similar and both protect your home, they cover completely different things, serve different financial purposes, and are not substitutes for each … Read more
Mold is one of the most common — and most contentious — home insurance issues in Florida. The state’s subtropical humidity, high rainfall, frequent flooding events, and warm temperatures year-round create ideal conditions for mold growth. Florida homeowners filing mold claims face a landscape of exclusions, sub-limits, and complex coverage conditions that can result in … Read more
Florida sits on a foundation of limestone karst geology that makes it uniquely vulnerable to sinkholes. The state leads the nation in sinkhole events, with the phenomenon concentrated in a band of counties extending from Pasco and Hillsborough through Marion and Alachua. Florida homeowners in these areas have had to grapple with a complex insurance … Read more
Florida is the most flood-prone state in the continental United States. According to FEMA, Florida accounts for more National Flood Insurance Program (NFIP) policies than any other state. The 2024 hurricane season — with Helene producing historic storm surge along the Gulf Coast and Milton’s widespread flooding — reinforced what Floridians know intellectually but sometimes … Read more
Named storm coverage — and specifically the hurricane deductible that applies to it — is one of the most important and misunderstood aspects of Florida homeowners insurance. Every Florida homeowners policy includes coverage for hurricane and named storm wind damage, but the deductible structure is fundamentally different from your standard policy deductible. After the catastrophic … Read more
Florida is one of about a dozen states that operate under a “no-fault” auto insurance system, and Personal Injury Protection (PIP) is its foundation. Florida requires all registered vehicle owners to carry at least $10,000 in PIP coverage — a mandate that has been part of Florida law since 1971. PIP pays for your medical … Read more
Florida has one of the nation’s highest rates of uninsured drivers: approximately 26.7% of all Florida drivers were uninsured in the most recent Insurance Research Council estimate — more than 1 in 4. When one of these uninsured drivers hits you, your only recourse for medical bills and lost wages (beyond your own PIP and … Read more
Collision insurance covers damage to your vehicle when it collides with another vehicle, an object (guardrail, tree, light pole), or when it rolls over — regardless of fault. It is not required by Florida state law, but it is required by auto lenders and leasing companies if you have a loan or lease on your … Read more
Comprehensive auto insurance is the coverage that protects your vehicle from damage that isn’t caused by a collision — covering theft, vandalism, fire, flooding, falling objects, animal strikes, and weather events. In Florida, where hurricane seasons, severe thunderstorms, flood events, and high vehicle theft rates are facts of life, comprehensive coverage is especially important. It … Read more
Being classified as a “high-risk driver” in Florida doesn’t mean you can’t get auto insurance — it means your insurance will cost more, and you’ll need to navigate a market that includes both standard carriers with surcharges and specialty non-standard carriers that specialize in this segment. Florida’s high-risk driver population is large — driven by … Read more
Getting your first driver’s license in Florida is exciting — but the insurance bill that follows can be a sobering reality check. First-time drivers in Florida face some of the highest auto insurance rates in the country, driven by statistical accident risk, Florida’s expensive litigation environment, and the state’s already-elevated base premiums. A 16-year-old first-time … Read more
Florida’s year-round riding season, extensive highway system, and enormous motorcycle-enthusiast population make it one of the nation’s premier motorcycle states. But Florida also has one of the highest motorcycle fatality rates in the country — a sobering statistic that underscores the importance of adequate motorcycle insurance coverage. Unlike car insurance, Florida motorcycle insurance requirements are … Read more
Florida has one of the highest concentrations of electric vehicles in the United States, driven by year-round warm weather, strong Tesla penetration, and a tech-savvy population. The Orlando and Miami metro areas consistently rank among the top U.S. EV markets. But insuring an electric vehicle in Florida comes with unique considerations — higher vehicle values, … Read more
Leasing a car in Florida comes with a set of insurance requirements that go beyond what Florida law mandates for owned vehicles. Your leasing company — whether Ford Motor Credit, BMW Financial Services, Toyota Financial, or another lessor — will specify minimum coverage requirements in your lease agreement that are often substantially higher than Florida’s … Read more
If your household has two or more vehicles, insuring them together on the same policy is one of the easiest ways to reduce your Florida auto insurance costs. Multi-car discounts are offered by virtually every auto insurance carrier in Florida and typically generate savings of 10-25% per vehicle. In Florida’s expensive auto insurance environment — … Read more
A DUI conviction in Florida has serious, lasting consequences — criminal penalties, license suspension, and a dramatically higher auto insurance bill. Florida drivers convicted of DUI face some of the highest post-conviction insurance rate increases in the country, and finding coverage that satisfies Florida’s FR-44 financial responsibility requirement (for DUI specifically) requires navigating a complex … Read more