Florida Car Insurance: The $10,000 PIP Requirement and the 14-Day Rule
Florida still requires $10,000 PIP and $10,000 property damage liability. Get care within 14 days of a crash, or PIP medical benefits may not apply.
Florida
Insurance
Homeowners, hurricane deductibles, Citizens, flood, wind mitigation, PIP and the 14-day rule for people in Florida.
By type of coverage
The insurance posts, sorted by who they are written for.
- Medicare & retirement (0 articles). Medicare, long-term care and planning for retirement. RSS
- P&C (6 articles). Property and casualty: home, auto, flood and wind coverage. RSS
- Life & medical (0 articles). Life insurance and health coverage for individuals and families. RSS
Articles
How Much Is Homeowners Insurance in Florida? What Drives Your Quote
Florida home insurance cost depends on location, construction, value, wind mitigation, roof and deductibles. How OIR CHOICES and discounts help.
Florida Wind Mitigation Discounts and Condo HO-6 Basics
Florida insurers must offer hurricane loss-mitigation discounts when your home has qualifying wind-resistant features verified on the Uniform Mitigation Verification Inspection Form. Condo unit owners usually need an HO-6 policy for interior and personal property risks the association master policy does not cover.
Does Florida Homeowners Insurance Cover Flood? NFIP Wait Period Basics
Most Florida homeowners policies do not cover flood damage, including storm surge. You need a separate flood policy, and NFIP coverage normally has a 30-day waiting period after you buy and pay.
Florida Hurricane Deductible: Percentage vs Regular Deductible
A Florida hurricane deductible is usually a percentage of your dwelling limit, not a flat dollar amount like your all-other-perils deductible. It applies during a defined National Hurricane Center warning window and runs on a calendar-year basis with the same insurer group.
Can't Find Homeowners Insurance in Florida? How Citizens Works
Citizens Property Insurance is Florida's insurer of last resort when no authorized company will write you, or when comparable authorized coverage costs more than 20% above Citizens. You apply through an appointed agent after the Clearinghouse check.
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