Florida (FL)

• Citizens (State Program)

• Progressive (Auto and RV only)

• Slide Insurance

• USLI (Liability only)

• Vault

• Amwins:

  • • Florida Appetite

• No risks in Monroe County or the FL Panhandle

• No risks built prior to 2001/2002

• Some risks are eligible pre-2001/2002 if they were gut renovated OR they were torn down to one original wall for tax purposes and completely rebuilt

• No complete or partial FRAME construction (risks must be at least Masonry or Masonry
  Non-Combustible)

• All Homes & Condos must be fully mitigated for Windstorm when reviewing opening protections (windows & doors). They must have at least Class A (ideally Class A1A) rated products (large missile impact rated glass or shutters).

• No or minimal prior loss history.

• Single lane barrier island risks are generally ineligible.

• FL Wind Mitigation Certificates and points requested at UW discretions (credits are not assumed).

Required Auto Insurance Coverage in Florida

Drivers need to make sure they have the auto insurance coverages required by the state of Florida to legally operate a motor vehicle:

Bodily Injury Coverage

$10,000 per person and $20,000 per accident*

Property Damage Coverage

$10,000 per accident

Uninsured Motorist Coverage

$10,000 per person and $20,000 per accident*

Personal Injury Protection

$10,000

Please note bodily injury liability and uninsured motorist coverages may be waived. Even though, BI is not a required coverage in FL, failure to have this coverage in place at the time of an accident that results in bodily injury or property damage, will result in state mandated requirement of coverage for 3 years.

Florida Car Insurance Laws

According to the Florida Department of Highway Safety and Motor Vehicles (DHSMV), all drivers in the state must have auto insurance coverage. If you are pulled over, you can be fined for not having valid proof of Florida car insurance. So be sure to have your insurance ID card when you drive.

Two important Florida car insurance laws to be aware of are the Financial Responsibility Law and the No-Fault Law:

• The Financial Responsibility Law—requires certain drivers to carry full liability auto insurance coverage due to their driving history. These drivers include those at fault for past accidents resulting in injury to others, those who have received excessive points against their license, a DUI or a revocation due to serious and/or repeated offenses.

• The Florida No-Fault Law—requires all drivers to carry Personal Injury Protection (PIP). This coverage helps pay the insured's medical bills in the event of an accident, regardless of fault. People often think drivers can't be legally pursued for injuries they cause in an accident because Florida is a No-Fault state, but that isn't right. No-Fault just means that drivers involved in an accident rely on their own car insurance providers to pay for subsequent costs.