Auto and Home Insurance in Florida

Florida mandates 10/20/10 liability and PIP, costing $1,800-$2,800 yearly. PIP covers medical expenses regardless of fault. Optional comprehensive adds protection.

SR22 auto insurance in Florida, $1,500-$3,000 yearly, is needed for DUIs or suspensions. Filed with the DMV. Learn more at SR22 insurance Florida.

Florida auto insurance with comprehensive covers rental car damage within policy limits. Liability extends to rentals. Confirm with your provider.

Non-owner auto insurance in Florida, $600-$1,200 yearly, covers liability for borrowed vehicles. Ideal for non-car owners. See non-owners insurance Florida.

Roadside assistance for Florida auto insurance costs $15-$25 yearly. Covers towing and lockouts. Useful for long coastal drives.

Florida homeowners insurance covers dwelling, property, and liability, averaging $2,200 yearly. Includes hurricane damage; floods need separate policies. HO-3 is standard.

Florida doesn’t mandate homeowners insurance, but mortgage lenders require it. Protects against hurricanes and theft. See Florida homeowners insurance.

Coverage should match Florida home value, averaging $350,000, plus 20 percent for rebuild costs. Liability at $100,000 is typical. Adjust for coastal risks.

Flood insurance in Florida, $600-$1,200 yearly, is separate for coastal areas like Miami. Standard policies exclude floods. Learn at insurance Florida.

An HO-3 policy in Florida covers dwelling and property against named perils for $2,000-$2,500 yearly. Excludes floods and earthquakes. Most common for homeowners.

Florida auto insurance averages $2,500 yearly; homeowners averages $2,200. Coastal risks increase rates by 20 percent. Compare at insurance quotes in Florida.

Bundling auto and home insurance in Florida saves 15-20 percent. Simplifies payments and maximizes discounts. Ideal for Tampa or Orlando residents.

Safe driver and wind-mitigation discounts cut Florida insurance by 10-25 percent. Telematics saves 15 percent. Explore at car insurance discounts.

Poor credit raises Florida auto and home insurance rates by 20-30 percent. Good credit lowers premiums significantly. Rates reflect financial risk.

Hurricane-resistant upgrades like shutters reduce Florida homeowners rates by 15 percent. Security systems save 10 percent. See home insurance explained.

Hurricanes increase Florida homeowners rates by 20-30 percent, especially in Miami. Windstorm coverage is essential. Affects coastal auto claims too.

Flood risks in Florida raise homeowners premiums by 15 percent. Separate flood policies cost $600-$1,200 yearly. See Florida homeowners insurance.

Urban theft in Florida cities like Jacksonville adds 5-10 percent to auto and home rates. Security systems lower premiums. Common in metro areas.

Sinkhole coverage in Florida, $200-$500 yearly, is needed in Tampa Bay areas. Not included in standard policies. See insurance Florida.

DUIs raise Florida auto insurance rates by 40-50 percent, averaging $3,500 yearly. SR22 is required for three years. Common in urban areas.

File Florida auto and home claims with photos and receipts for quick processing. A Plus Insurance assists with submissions. Learn at car insurance explained.

Denied claims in Florida require appeal with documentation within 60 days. A Plus Insurance reviews policies. Common for hurricane-related disputes.

Switching Florida auto and home providers is seamless if coverage is continuous. Compare rates for savings. See insurance providers.

Review Florida auto and home policies annually to adjust for value changes. Updates prevent underinsurance. A Plus Insurance offers free reviews.

Cancel Florida insurance with 30 days’ notice, refunding unused premiums. Mortgage lenders may require new coverage. See how to cancel car insurance.

RV insurance in Florida, $800-$1,500 yearly, covers liability and hurricane damage. Ideal for camping in the Everglades. See Florida recreational vehicle insurance.

Condo insurance in Florida, $500-$1,000 yearly, covers interiors and liability, not building structure. HO-6 policies suit Miami high-rises. Includes hurricane coverage.

Vacation home insurance in Florida, $2,500-$4,000 yearly, covers vacancy risks and hurricanes. Requires special endorsements. Common in coastal areas.

Boat insurance in Florida, $300-$800 yearly, covers liability and storm damage. Separate from homeowners policies. See boat insurance.

Military discounts save 10 percent on Florida auto and home insurance with USAA or others. Applies to active duty near Pensacola. Explore at car insurance discounts.