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Florida Insurance
Your Partner in Protection Across Florida
Hurricanes, flood zones and a tough home insurance market make the right coverage matter more here. We compare insurance companies for Florida families and businesses, from personal and life insurance to specialty coverage like trucking, contractors and builders risk.
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Coverage in Florida
What We Write in Florida
Personal
Home, auto, flood, renters and condo, and umbrella, including homes in coastal and flood zones.
Learn More →Business & Commercial
Liability, property, workers comp, commercial auto and umbrella for every kind of Florida business.
Learn More →Life
Term, permanent and final expense coverage, plus key person and buy-sell for business owners.
Learn More →Specialty
Trucking, contractors and builders risk, with help on Florida workers comp rules and windstorm options.
Learn More →Florida Notes
What's Different About Insuring in Florida
Each state page covers the rules and risks that matter there.
- Construction businesses generally need workers comp with even one employee, and some officers can file an exemption
- Flood is usually a separate policy from homeowners, and lenders often require it
- Citizens Property Insurance now requires its homeowners to carry flood insurance, phased in by home value, with every remaining Citizens policy covered by January 1, 2027, even outside flood zones
- Windstorm and hurricane deductibles work differently from other claims
Hurricane Season
Before Hurricane Season, Check These
Florida homeowners should review these before June 1, not after a storm is named.
- Your hurricane deductible, in dollars, not just a percentage
- Whether you have flood coverage (it usually takes 30 days to start)
- Photos or video of your home and belongings
- Your wind mitigation inspection, which can lower your premium
Licensing
Licensed in Florida
Verify any license with the Florida Department of Financial Services.
- Florida agency license L123435
Let's Get You Covered.
Tell us what you need and we'll shop it for you.