FLORIDA INSURANCE
Florida insurance prices and coverage options, without the quote chaos.
Florida insurance comes with state-specific rules, property risks,
hurricane considerations, flood questions, and coverage choices.
Ensurance helps you understand the basics and start one organized
insurance request when you are ready to move forward.
One organized request
Licensed review where available
WHY FLORIDA REQUIRES MORE CONTEXT
Insurance questions can change depending on what you are protecting.
Auto insurance, homeowners insurance, flood coverage and hurricane-related
property coverage are separate issues. Understanding those distinctions can
make the insurance process easier before you begin a request.
Florida has specific auto insurance requirements.
Florida’s no-fault system requires qualifying registered vehicles
to maintain Personal Injury Protection and Property Damage Liability
coverage. Additional requirements can apply depending on the situation.
Home coverage deserves a closer look.
Florida homeowners may encounter hurricane deductibles, wind-related
coverage questions, inspections, lender requirements and different
property-insurance options.
Flood is a separate insurance question.
Most homeowners policies do not cover flood damage. Flood coverage may
come through the National Flood Insurance Program or a private insurer.
CHOOSE YOUR INSURANCE NEED
Start with the coverage type that fits your situation.
You do not need to solve every insurance question before you begin.
Choose the type of help you need and use the guided request path that
fits your situation.
Auto insurance
Organize information about your vehicles, drivers, current coverage,
timing and insurance needs.
Home insurance
Start a guided request for a home you own and organize property details
for licensed review where available.
Renters insurance
Organize information about your rented home, belongings and renter-focused
coverage needs.
Life insurance
Start with basic information about the people you want to protect and the
life insurance need you are exploring.
Business insurance
Organize information about your operations, property, liability and
business insurance needs.
Health insurance
Start a guided health insurance request and move toward licensed help
where supported and available.
FLORIDA AUTO INSURANCE
What Florida drivers should know before requesting a quote.
What auto insurance does Florida require?
Florida requires covered registered motor vehicles to maintain at least
$10,000 in Personal Injury Protection, commonly called PIP, and $10,000
in Property Damage Liability coverage.
What does PIP mean?
PIP is part of Florida’s no-fault auto insurance system. It provides
benefits for covered injuries regardless of who caused the crash, subject
to the policy terms, statutory rules and available limits.
Personal Injury Protection
Property Damage Liability
Minimum legal requirements are not the same thing as an individualized
coverage recommendation. Your vehicle, financing, driving history,
household and other circumstances can affect what insurance options are
available or appropriate. A licensed professional can help explain those
choices.
What should I have ready?
Useful starting information can include your ZIP code, vehicles and
drivers, current insurance status, approximate annual mileage, recent
accidents or violations, the coverage you are exploring and when you
need the policy to begin.
FLORIDA HOME AND PROPERTY INSURANCE
Hurricane, wind and flood are related risks, but they are not the same coverage question.
Florida property insurance can involve several separate decisions.
Understanding what your homeowners policy actually covers is more useful
than assuming every storm-related loss is treated the same way.
Homeowners insurance
Florida law does not generally require homeowners insurance, although
mortgage lenders commonly require property insurance as a condition
of the loan.
Hurricane deductibles
Florida residential policies may have a separate hurricane deductible.
That deductible can operate differently from the deductible that applies
to other covered losses.
Flood insurance
Most homeowners insurance does not cover flood damage. Flood insurance
is generally a separate policy and may be available through the NFIP
or private insurers.
Condo unit coverage
Condo unit owners commonly use an HO-6 policy for personal property,
liability and certain portions of the unit. Association coverage and
governing documents can affect what the unit owner needs to consider.
CITIZENS PROPERTY INSURANCE
What is Citizens?
Citizens Property Insurance Corporation is a Florida property insurer
created to provide an insurance option for eligible property owners who
cannot obtain qualifying coverage in the private market.
Eligibility rules can change. Citizens currently states that a new
applicant may qualify when no comparable private-market offer is
available, or when comparable private-market offers are more than
20 percent higher than the comparable Citizens premium, subject to
the program’s other requirements.
Citizens is also phasing in flood-insurance requirements for most new
and renewing personal residential policies that include wind coverage.
Because those requirements continue to change through 2027, consumers
should verify the rules that apply to their specific policy directly
with Citizens or a licensed professional.
Looking for homeowners insurance help?
Start a guided request and organize your property information for
licensed review where available.
OTHER FLORIDA INSURANCE NEEDS
Not every insurance question is about a car or house.
Renters insurance
A landlord’s property insurance is different from coverage for a
renter’s belongings and liability. Flood damage may also require
separate coverage depending on the policy.
Business insurance
Florida businesses may need to consider liability, commercial
property, commercial auto and other industry-specific coverage.
Workers’ compensation requirements depend on factors such as industry,
employee count and business structure.
Life insurance
Life insurance needs are personal rather than Florida-specific.
A licensed professional can help explain available policy types and
coverage options based on your situation.
Health insurance
Health insurance availability depends on eligibility, location,
enrollment timing and available plans. Ensurance can organize a
health insurance request for licensed review where supported.
HOW ENSURANCE WORKS IN FLORIDA
One insurance need. One organized place to begin.
Ensurance organizes the insurance request before licensed review, giving shoppers one clearer starting point and helping the request move toward available licensed help where supported.
Choose what you need
Start with auto, home, renters, life, business or health insurance.
Answer guided questions
Your information is organized into one clearer insurance request.
Move toward licensed review
Licensed agents, agencies or approved partners may review your
request where available.
Understand the next step
Quote options or another clear next step may be available depending
on location, eligibility, carrier participation and licensed review.
FLORIDA INSURANCE QUESTIONS
Clear answers before you start.
What auto insurance does Florida require?
Florida generally requires covered registered vehicles to maintain
at least $10,000 in Personal Injury Protection and $10,000 in
Property Damage Liability coverage. Additional financial
responsibility requirements can apply in certain circumstances.
Is Florida still a no-fault auto insurance state?
Yes. Florida’s current system still requires PIP coverage for
qualifying registered vehicles. PIP provides covered injury benefits
regardless of who caused the crash, subject to applicable rules and
policy limits.
Does Florida require homeowners insurance?
Florida law does not generally require homeowners insurance.
However, a mortgage lender may require insurance on the property
as a condition of the loan.
Does homeowners insurance cover flooding?
Usually not. Most homeowners policies do not cover flood damage.
Flood insurance is generally separate and may be available through
the National Flood Insurance Program or private insurers.
What is a Florida hurricane deductible?
It is a deductible that can apply to covered hurricane losses under
qualifying residential property policies. Florida has specific rules
governing when the hurricane deductible applies and how it operates.
What is Citizens Property Insurance?
Citizens is a Florida property insurer that may provide coverage to
eligible property owners when qualifying private-market coverage is
not available under the program’s current eligibility rules.
Will Ensurance send my information everywhere?
Ensurance handles your request through a more controlled process designed to reduce unnecessary exposure, broad sharing, and unwanted contact. The Trust Center and Privacy Policy explain the process in more detail.
Does Ensurance guarantee that I will receive a quote?
No. Quote availability depends on factors such as location, coverage
type, eligibility, carrier participation and licensed professional
review.
OFFICIAL FLORIDA RESOURCES
Go directly to the source when the rules matter.
Insurance requirements and program rules can change. These official
resources provide current consumer information.
READY WHEN YOU ARE
Start with one organized insurance request.
Tell us what type of insurance help you need. Ensurance organizes
your information so you can move toward licensed review and available
quote options with more clarity and control.