Florida Home Insurance, What You Need to Know

There are areas that get lots of rain and others that get different types of weather. No matter what’s in your area, you have to protect yourself against problems and dangerous situations.

For example, if a tree fell onto your Florida home, you need to be able to get someone out there to move it and also be able to make repairs in a swift manner. Home insurance in FL is designed to help you do all of these things, but you have to find an appropriate policy to lend a hand. Get a Florida home insurance comparison online. It is the first step to finding the right policy.

Where to Look for Florida Home Insurance Comparisons

If you already do business with a major company, like State Farm or Allstate, you can probably just visit with your local agent to see what they recommend you get for your home. You must know the value of your home and how much you owe the bank to be able to see a plan that can actually work well for you, so make sure you have that information handy when you go in to talk to someone.

If you don’t already have an agent, you can review all the information online on major insurance company websites. You can just put a few pieces of data into a form and you should be able to get quotes and assessments pertinent to your area. Either way is acceptable for homeowners insurance comparison. 

The idea is to get all the quotes you can or to review at least a handful of policies. This will give you a better understanding of what you can choose from and what will work with your budget. You don’t want to get a policy that you can’t afford, even if it offers the best protection because it won’t do you any good if you can’t pay the bill to protect your home. Furthermore, you can upgrade your policy every year or two so that you can always get more coverage when you can afford it or if you feel you need more.


There’s nothing wrong with doing your own FL home insurance comparisons online at Florida Insurance Quotes. It’s actually one of the smartest things you can do when you want to get a good deal and you will know exactly what your policy will be able to protect you from. Whether you purchase the policy from a familiar agent or online is up to you.

What are the Florida Auto Insurance Requirements?

You are driving on Pete Rose Way in Cincinnati, trying to get home from a miracle victory for a Reds World Series Championship. Horns are honking. People are screaming and hollering in victory. You cannot help, but get lulled into the fray. Celebrations have erupted in the streets and it is almost a real-life game of ‘Frogger’.

You hear it and feel it before you see it or realize it. You have just hit the suddenly stopped car in front of you. You look up at the front of your vehicle to see the hood is folded up. You look over at your partner in the passenger seat and then down at yourself to make sure everyone is okay. No injuries, thank God.

You get out of the car and assess the people in the other car. They too are thankfully unharmed, but the cars, that might be another story. No tempers are flaring after all it was an accident.

You call in the police and ask them to lead you through this frightening experience. Their first question, “May I please see your operator’s license and proof of insurance information”? You present the documents, but a thought occurs to you, ‘do I have enough coverage for this.’

When you are in the middle of the accident there is no time to wonder about your Florida auto insurance. What will happen if it isn’t covered? What if there really are injuries? What do you do?

What Are the Auto Insurance Coverage Requirements in FL?

According to the Bureau of Motor Vehicles, state laws require a person to purchase Property Damage Liability Coverage as well as Bodily Injury Liability Coverage as part of their FL automobile insurance program.

The minimum required protection for any Bodily Injury Liability Coverage is $25,000 per person that is injured in an accident and $50,000 for all people that were injured in an accident.

Property Damage Liability Coverage has a minimum requirement of $25,000 for damage to the property owned by others in any one accident.

You can also show proof of Financial Responsibility, this requires providing a copy of a form from the BMV that states you have placed the necessary $30,000 in cash funds on deposit with the State Treasurer’s Office.

However, car insurance is the most common method because most people do not have $30,000 to tie up for protection. If you’re operating a vehicle in Florida, unfortunately insurance is a requirement.

How to Find the Best Prices on Florida Insurance

When it comes right down to it, people just aren’t all that excited to shop around for different Florida insurance policies and coverage plans.

After all, the overwhelming majority of people out there would just as well go without insurance and purchase expensive Florida insurance policies from companies that may or may not care about them when it comes time to file a claim.

At the same time, purchasing Florida insurance is required for providing you or your loved ones with the safety and security that it deserves. It’s vital that you get the best Florida insurance policy you can.

Here are just a few tips and tricks to focus on to make sure that you’re getting the right insurance at the right price!

Should You Use Comparison Websites?

Comparison websites have become all the rage when it comes to investing in the best priced Florida insurance plans. However, are they really all they are cracked up to be?

After all, some have wondered whether or not comparison websites are in collusion with insurance agencies. For example by promising one another a piece of the pie to refer customers to one service or another.

However, federal law (a whole host of state laws, for that matter) would put an end to this type of collusion rather quickly. It certainly isn’t an issue with Florida Insurance Quotes. Not only can you use them to research different prices, but you should also be able to purchase the kind of Florida insurance policy you’re after with just a few clicks of your mouse button.

How Do You Get the Very Best Florida Insurance Quotes?

There are other ways to get the most affordable Florida insurance quotes available, though they may not be as well known or as popular as shopping around on different comparison websites.

For instance, you could try:

  • Raising your deductible just as high as you can possibly afford and at the same time dropping your monthly payments in premiums dramatically
  • Investing in a multi-policy discount, a process where you roll in a bunch of different types of insurances under the same agency and get up to 25% off across the board
  • Research every single discount available to you for any different type of reason, and maximize each and every one of those discounts with the help of the best Florida insurance agent

Make Sure That You’re Getting the Best Coverage for the Best Price

Finally, you need to make sure that you are not only investing in the cheapest Florida insurance policy you can find, but also the one that gives you the most protection and coverage for the money. The value is the name of the game, as purchasing cutthroat rate insurance may not be the smartest decision or investment you make when it comes time to file a Florida insurance claim!