Umbrella Insurance in Florida Isn’t Mainly About Being Sued
Florida requires no bodily injury liability at all, and better than one in five drivers carries nothing. The likelier catastrophe isn’t a verdict against you — it’s being hit by someone with nothing. Both halves of an umbrella, and the state form that can quietly cancel one of them.
Florida For-Hire Passenger Insurance: Limos, Vans and Buses
Florida requires $125,000 of liability on a for-hire passenger vehicle. Cross a state line in the same van and the federal minimum is $1.5 million — $5 million if the driver’s seat pushes you to sixteen. Where the lines actually fall.
Gas Station Insurance in Florida: The Tanks, the Canopy, and the Store
A gas station is three businesses on one lot — and the riskiest one is buried under the concrete. The $1 million tank liability the state checks every year, the canopy problem in hurricane season, and what underwriters will ask.
We Ran Citizens’ County-by-County Numbers. South Florida Wins Big — With One Exception.
Broward gets the deepest Citizens homeowners cut in Florida (-14.1%, about $717/year), with Miami-Dade and Palm Beach close behind. But one policy type is quietly going up 12–16%. The real dollar figures from the approved filing.
A Storm Just Hit. Here’s Exactly How to File Your Florida Claim.
Document first, mitigate second, report fast — and sign nothing on the doorstep. The one-year deadline, the 60-day rule your insurer answers to, and the claim-file kit to build now.
The 4-Point Inspection: The One-Hour Report That Decides If Your Older Home Gets Insured
Required by Citizens at 20 years and most carriers by 30, the 4-point checks your roof, panel, pipes, and HVAC. The four findings that sink applications — and the 30-minute prep that avoids them.
Hurricane Deductibles in Florida: What You’ll Actually Pay When a Storm Is Named
“2%” never meant 2% of the damage — it means 2% of your dwelling coverage, or $12,000 on a $600K home. How the deductible triggers, the once-per-season rule, and why the only time to change it is before a storm has a name.
Read article →Airbnb & Short-Term Rental Insurance in Florida: Why Your Homeowners Policy Won’t Cover It
One paying guest can turn a covered home into a denied claim: homeowners policies exclude business use, and AirCover isn’t insurance. What a real short-term rental policy covers — and the Florida licensing wrinkles hosts miss.
Read article →Citizens Will Require Flood Insurance on Every Policy by January 1, 2027 — Even Far From the Water
The final phase of Citizens’ flood mandate is months away: every policy with wind coverage needs flood insurance, regardless of value or flood zone — or it doesn’t renew. The schedule, the qualifying coverage rules, and why waiting until December is a mistake.
Read article →No, Florida Didn’t End No-Fault Insurance This Summer — Here’s What’s Actually True
A rumor says PIP is gone and 25/50 bodily injury coverage became mandatory July 1. It didn’t happen — the bills died in March. What Florida law actually requires in 2026, and the one part of the rumor worth acting on anyway.
Read article →Boat Insurance in Florida: What Your Policy Actually Does During Hurricane Season
Florida doesn’t require boat insurance — hurricane season does. Named-storm deductibles, haul-out reimbursement, hurricane plan requirements, and the navigation limits that decide whether a storm claim gets paid.
Read article →SR-22 vs. FR-44 in Florida: What They Cost, How Long You Need Them, and How to Keep the Premium Down
Neither one is insurance — they’re filings your insurer makes with FLHSMV. Who needs which, the limits each requires, why a lapse restarts the clock, and how to shop the filing without overpaying.
Read article →Florida Contractor Insurance Requirements 2026: What Plumbers, Electricians, and GCs Must Carry
General liability for your DBPR license, the one-employee workers’ comp rule for construction, commercial auto, tools coverage, and the certificate of insurance that wins the job — plus the August 31 license-renewal deadline.
Read article →Your Personal Auto Policy Won’t Cover a For-Hire Vehicle. Here’s What Florida Taxis and Truckers Need Instead.
Carry passengers or freight for a fee and a personal policy can deny the claim. FMCSA’s $750K floor and DOT filings, Florida’s in-state truck rules, and the county-by-county limits for taxis, limos, and shuttles.
Read article →A Wind Mitigation Inspection Is the Cheapest Way to Lower Your Florida Home Premium
Verified wind-mitigation credits can cut the wind portion of your premium 30–50% or more — and right now the inspection can be free through My Safe Florida Home.
Read article →How Much Does Business Insurance Cost in Florida? Real 2026 Numbers, Line by Line
Real 2026 ranges for general liability, BOP, workers' comp (down 6.9% this year), and commercial auto — plus what actually moves your premium and why this is a re-quote year.
Read article →Auto Rates Are Finally Falling in Florida. Don’t Waste the Moment on a Junk Policy.
Nearly 80% of Florida drivers are seeing lower rates, and USAA is returning $500 million this month. How to capture the savings without gutting bodily injury and UM coverage.
Read article →Florida Insurance Rates Are Finally Dropping. Here’s How to Make Sure You Actually Save.
Citizens rates are falling 8.7% on average — over 14% in Broward and Miami-Dade — and dozens of private home and auto carriers are cutting too. Why your renewal may not show it on its own.
Read article →Flood vs. Homeowners Insurance in Florida: Where One Stops and the Other Starts
Homeowners insurance covers water that falls; flood insurance covers water that rises. The three NFIP gaps that surprise people — and why Zone X doesn’t mean safe.
Read article →Citizens Wants to Hand Your Policy to Another Company. Should You Let Them?
Citizens is moving hundreds of thousands of Florida policies to private insurers. Here's what a takeout offer really means, the 20% rule, and how to compare before you sign.
Read article →That Surprise Condo Assessment Isn't a Glitch — It's the New Florida Law
Milestone inspections and mandatory SIRS reserves are driving surprise special assessments statewide. Here's why — and the coverage on your HO-6 that can help pay your share.
Read article →Hurricane Season Prep: Get Your Florida Insurance Ready Before June 1
Hurricane season runs June 1 through November 30. Here's exactly what to review on your home, flood, and business policies — and the deadlines you can't afford to miss.
Read article →Questions about your coverage?
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