Destination guide

Florida insurance landscape

Coastal coverage, wind, and flood considerations

Florida homeowners face unique risks from hurricanes, windstorms, and flood damage. Auto rates vary widely between metro and coastal counties. Independent agents help navigate Citizens, private carriers, and wind mitigation credits.

Find agencies in Florida

Key insurance considerations

Hurricane deductibles and wind mitigation inspections can lower premiums
Flood insurance is typically separate from standard homeowners policies
PIP auto coverage is required; compare bodily injury limits carefully
Condo and HOA master policies affect what unit-owners must insure

Moving to Florida?

Plan coverage before your move-in date. Auto policies typically need updating within 30–90 days of establishing residency. Homeowners and renters policies should align with your closing or lease start. An independent agent licensed in FL can compare carriers and explain state-specific requirements.

South Florida Health Hub Flood Insurance Guide Hurricane Prep & Insurance Premium Cost Estimator