Uninsured Motorist Coverage in Florida: What It Pays and What to Check on Your Policy
Florida’s basic auto requirement doesn’t include bodily injury liability for most drivers. Here is how uninsured motorist coverage works, the choices that shape it and how to check your own policy.
Running a Business From Home in Florida? What Your Homeowners Policy May Not Cover
Working from home in Florida? A standard homeowners policy usually limits business property and excludes business liability. Here is where the gaps are and the common ways to close them.
How Long Do You Have to File a Home Insurance Claim in Florida?
Florida law sets firm notice deadlines for property insurance claims. Here is how the one-year and 18-month rules work, how the date of loss is set after a storm, and where condo and flood claims differ.
Renters Insurance in Florida: What Your Landlord’s Policy Doesn’t Cover
Your landlord’s policy insures the building, not your belongings. Here is what a Florida renters policy generally covers, the details tenants often miss, and how to build a quick home inventory.
Personal Umbrella Insurance in Florida: When Home and Auto Liability Limits Run Out
Learn how personal umbrella insurance works in Florida, why state auto insurance requirements matter, and what to review in your home and auto policies before considering additional liability coverage.
Condo Special Assessments and Your HO-6 Policy: How Loss Assessment Coverage Works in Florida
Loss assessment coverage can help with some Florida condo assessments, but not all. How it works under section 627.714, what it usually won’t pay, and what to ask before renewal.
Citizens Flood Insurance Requirement 2027: What Florida Homeowners Need to Know
Citizens’ flood insurance requirement reaches its final phase on January 1, 2027. Here’s who it applies to, the key exceptions, how much flood coverage Citizens looks for, and why your renewal date matters.
Your Florida Homeowners Insurance Renewal Notice: How to Spot What Changed
A renewal notice is more than a new price. Here’s how Florida homeowners can compare it line by line with last year’s policy and spot changes to limits, deductibles, forms and discounts before the policy renews.