FAQ
You can learn more from our asked questions
Homeowners insurance in Florida typically covers your home, personal belongings, liability, and additional living expenses in case of covered perils like fire or theft.
Homeowners insurance is not legally required in Florida, but it's generally necessary to protect your investment and satisfy mortgage requirements.
Factors like the location of your home, its construction, your claims history, coverage limits, and deductible choice can influence your insurance premiums in Florida.
Valuable articles insurance in Florida can cover a wide range of high-value items such as jewelry, fine art, collectibles, and antiques.
While homeowners insurance may provide some coverage for valuable items, it's often limited. Valuable articles insurance offers more comprehensive protection.
Yes, valuable articles insurance is available to renters and homeowners alike in Florida, ensuring protection for your high-value possessions regardless of your housing situation.
Yes, in many cases, valuable articles insurance coverage can be transferred or adjusted if you move within or outside of Florida.
Yes, Florida law requires drivers to carry minimum liability coverage.
Florida requires a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability.
No, driving without insurance in Florida can result in fines, license suspension, and other penalties.
Factors include driving record, age, vehicle type, coverage limits, and credit score.
MEP means Minimum Earned Premium. It's the smallest amount the insurer keeps if you cancel the policy early. This covers their initial costs.
Surplus lines insurance covers high-risk situations regular insurers won't. These insurers are not state-licensed but can still offer coverage.
Understand how business insurance can provide coverage for legal expenses, including attorney fees, court costs, and settlements or judgments resulting from lawsuits.
Explore industry-specific insurance regulations and requirements that businesses must adhere to, depending on their sector and operations.
Understand government-mandated insurance requirements, such as workers' compensation and unemployment insurance, that businesses must comply with in certain jurisdictions.
Explore how fidelity bond insurance or crime insurance can protect businesses from financial losses resulting from employee theft, fraud, or dishonesty.
Learn how key person insurance provides financial protection to businesses in the event of the death or disability of key employees or owners, helping to cover lost income or expenses.
Learn how product liability insurance protects businesses from liability claims arising from defective products, manufacturing errors, or product-related injuries or damages.
Understand how commercial property insurance can provide coverage for losses resulting from natural disasters, depending on the policy's terms and coverage options.
Explore the essential insurance coverages for businesses, including general liability, property insurance, workers' compensation, and commercial auto insurance.
Explore insurance options tailored to startups or small businesses, such as business owner's policies (BOPs) or package policies, offering comprehensive coverage at affordable rates.
Audits check the accuracy of the info you gave when buying your policy. For businesses, this often involves verifying payroll or revenue. Your premium may be adjusted based on the audit results.
Understand how intellectual property insurance or media liability insurance protects businesses from liability claims related to copyright infringement, trademark violations, or intellectual property disputes.
This form confirms you know your policy is from a non-licensed insurer and not protected by state guaranty funds. It explains the risks and limitations.
Rating determines your premium. Insurers look at coverage type, value, claims history, and risks to set your price.
Still have questions?
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Call for help:
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