Frequently Asked Questions about Florida Insurance

Here are the answers to the most commonly asked questions about Florida insurance.

What kinds of Florida insurance policies do you offer?

Our insurance partners can offer just about any kind of policy you need. Our insurers’ primary offerings are car, life, health, and home insurance. You may also be able to find quotes on a variety of specialty insurance policies through our site.

Are all of your insurance partners located in Florida?

No, most of our insurers operate on a national basis. However, all of our insurers have considerable expertise and experience in writing Florida insurance policies. All of the companies from which you will receive quotes are licensed to issue policies in the state of Florida.

Will a standard Florida home insurance policy cover flood damage?

No, homeowners insurance policies do not cover flood damage. If you live in a flood-prone region, you will need to buy a separate flood policy with your Florida insurance on your home. Most companies that offer home insurance can also issue flood insurance policies.

How do I get a property insurance policy if I rent my home?

The type of Florida insurance meant for people who rent their homes is called renters insurance. It is the renters equivalent of homeowners insurance. Renters insurance is very important because your landlord’s policy will only cover the structure of your building, not the contents of your apartment or condo. A renters insurance policy can protect your belongings with actual cash value coverage (the value of the items less depreciation) or replacement value coverage (the cost of replacing the items new today).

I’m in good health, so do I need life insurance?

Yes, you do. The best time to get a Florida insurance policy on your life is when you are young and/or healthy. Your premiums will be lowest then, and you can lock them in for the life of your policy. Term life insurance will allow you to get a significant amount of protection on a modest budget.

Where can I find out more about Florida’s insurance laws?

The best place to look for information on insurance laws and insurance companies licensed to do business in your state is the Florida department of insurance website. You can find it by navigating to the website for your state government and then searching for Florida insurance or the department of insurance. You’ll be able to research customer complaints and premiums for individual insures across the state.