Questions people actually ask

No, and not an agency either. This is an information site: it explains what Florida requires, what each coverage does, and what claims here have actually paid.

Nothing. There is no account, no paywall and no email gate on any calculator.

Nobody in Florida can honestly promise you the cheapest price, and anyone who does is guessing at a rate they have not run. What you can do is know what coverage you actually need before you shop, which is what this site is for.

No. The calculators collect nothing at all, and the one form here asks for an email and two menu choices.

$10,000 of personal injury protection and $10,000 of property damage liability. Bodily injury liability is not required, which is why so many claims here end badly.

Normally 3 years from the date the state sets. An FR-44, after a DUI, runs the same length at much higher required limits.

No, not anywhere in the country. Flood is a separate policy and normally has a 30 day waiting period.

A separate deductible expressed as a percentage of your dwelling limit, applied once per calendar year, triggered by a hurricane watch or warning. There is a calculator on this site that puts it in dollars.

For most auto policies, the same day once payment clears. Often within the hour.

Often yes, depending on what you hold. There is a page about exactly this case.

Yes, and sooner is much better than later. A short lapse is a rating problem. A long one can affect your registration.

No. Phone, WhatsApp and email handle almost everything. You are welcome to walk in if you would rather do it in person.

Almost always, because the alternative carries a finance charge. We show you both numbers before you choose, and the gap is usually larger than people expect.

The carrier issues a notice with a short window to cure it. Do not ignore it: in Florida an auto lapse can reach your registration, and a homeowners lapse can trigger force-placed coverage through your mortgage at several times the price.

Yes, and most policies refund the unused premium pro rata. Bring us the other quote first, though, because a cheaper number on different coverage is not a cheaper policy.

Start with three lines: the deductibles, the dwelling limit, and whether the roof settles at replacement cost or actual cash value. The pages on this site explain each of them, and those three decide most of what a claim pays.

Never. Nothing is owed until a policy is bound and the carrier issues it.

Not always. Under your deductible there is nothing to pay, and the claim still sits on your record for years. We will do that arithmetic with you before you file.

The carrier directly, and tell us at the same time. Their line runs 24 hours and ours does not, and we can pick up what comes next.

Days for a straightforward auto claim, weeks to months for major storm damage. Documentation from the first hours is what shortens it more than anything else.

It depends on fault, size and your history. A not-at-fault claim usually does far less than people fear, and a weather claim on a home is treated differently from a liability loss.

Not at the door, and not that day. Send us the document first. Some of those papers hand your entire claim to a stranger.