Florida Insurance Guide

Your Guide to Insurance in Florida

Florida presents unique insurance challenges including hurricane exposure, flood risk, and market volatility. Understanding your coverage options is essential for protecting your home, car, and family in the Sunshine State.

Licensed agents ready to help you navigate your options.

A beach house with palm trees in Florida that has flood, hurricane, and home insurance savings by calling 1-800-INSURANCE.

Talk to an insurance guide

Licensed pros walk you through quotes, discounts, and next steps in minutes.

Highest home insurance costs in the nation
Hurricane deductibles typically 2-5% of dwelling coverage
Flood insurance required for many properties
No-fault auto insurance state with PIP requirements

How it works

Getting covered is easier than you think

Whether you're new to Florida or just shopping for better rates, we make it simple to find the right coverage at the right price.

Step 1

Tell us what you need

Answer a few quick questions about your coverage needs. It takes about 3 minutes.

3 minutes

Step 2

Compare your options

See quotes side-by-side with clear explanations. Adjust coverage to find the right balance.

Easy comparison

Step 3

Get covered and save

Buy online or talk to a licensed agent who can walk you through everything.

Licensed agent support

Guided help

Local agents who know Florida

Our licensed insurance agents work with local agencies across Florida. They understand your state's requirements, know how to find discounts, and can turn confusing insurance-speak into plain English.

  • Deep knowledge of Florida insurance requirements
  • Side-by-side comparisons sent straight to your phone
  • Help filing claims when you need it
  • Knowledgeable in all coverage types

Prefer online? Start there and call us whenever you're ready for help.

Agent helping customer

Find Insurance Agents in Florida

Connect with licensed agents who understand Florida insurance challenges and can help you find the best coverage.