Twelve situations, answered straight
Almost nobody wakes up wanting to buy insurance. Something happened first. These are the twelve circumstances people arrive here in, and what the law and the market actually do about each one.
SR-22 and FR-44
The state told you to file proof of financial responsibility. Here is exactly what that is, which of the two forms applies to you, and how fast an agent can send it.
Read more →Insurance without a Florida licence
This is one of the most common questions in the Florida market, and most of the internet answers it badly. The honest version has three parts.
Read more →Non-owner policies
If you drive occasionally but own nothing to insure, this is the policy for you, and it is usually the least expensive way to satisfy a state filing.
Read more →After a ticket or an accident
Three different problems that arrive in the same envelope. Here is what each one actually does to your rate and how long it lasts.
Read more →New to Florida
Florida runs on rules that do not exist where you came from. Three of them cost money in the first month if nobody tells you.
Read more →Credit and your rate
People search for insurance with no credit check. The honest answer is that Florida allows credit-based insurance scoring, so there is no meaningful market that ignores it. The useful answer is that carriers weigh it very differently.
Read more →Citizens takeout offers
This is the most under-answered high-intent question in Florida insurance, so here is the whole thing in plain words, including the part that is not your choice.
Read more →Wind mitigation
One inspection, one state form, five years of credits. It is the highest return on a few hundred dollars available on a Florida homeowners policy, and most owners have never had one done.
Read more →Hurricane deductibles
This is the single most misunderstood line on a Florida homeowners policy, and it is the one that decides what you actually pay after a storm.
Read more →Roofs over 15 years
Roof age is the number one reason South Florida homeowners get non-renewed. It is also the most fixable, and there is a route that does not begin with replacing the roof.
Read more →Flood zones
The zone on the map decides whether your lender forces you to buy flood insurance. It does not decide whether water can get into your house.
Read more →The HOA master policy gap
Every condo owner in South Florida is exposed to a gap they have never measured. It takes one document and fifteen minutes to measure it.
Read more →Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
Leave a name and a number and a licensed Florida agent gets in touch. No obligation, and no call from six companies you have never heard of.
A licensed Florida agent may call, text or email you about your request.