Florida Insurance Articles & Coverage Guides
Browse our Florida insurance articles for clear, agent-written answers about home, auto, flood, business, and life coverage. Sun Insurance Services is an independent agency in Orlando, FL — we represent multiple carriers so you get unbiased guidance. Questions? Call or text (407) 781-1600.
Quick answer: Florida insurance requirements differ significantly from other states. Homeowners face hurricane deductibles, Citizens Property Insurance eligibility rules, and flood exposure that standard home policies don’t cover. Drivers must carry Personal Injury Protection (PIP) under Florida Statute 627.736. Business owners have unique liability and commercial auto obligations. Our Florida insurance articles explain these rules in plain language so you can make confident, informed coverage decisions.
What Our Florida Insurance Articles Cover
Each Florida insurance article on this page is written or reviewed by a licensed agent. Topics include:
- Home insurance in Florida — hurricane coverage, roof requirements, Citizens vs. private market, and how to lower your premium.
- Auto insurance in Florida — PIP requirements, uninsured motorist coverage, and what full coverage actually means in FL.
- Flood insurance — NFIP vs. private flood, what’s not covered by your homeowners policy, and FEMA flood zone basics.
- Business insurance — general liability, commercial property, workers’ comp requirements under Florida Statute 440, and BOP policies.
Florida insurance regulations are managed by the Florida Department of Financial Services (DFS) and the Florida Office of Insurance Regulation (OIR). Our articles reference current statutes and carrier guidelines so the information stays accurate and useful.
Have a coverage question? Our Orlando agents can help.
Latest Florida Insurance Articles
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Reinsurance Florida | Sun Insurance Services
Learn how reinsurance Florida costs affect your homeowners insurance premiums and why 2026 rate reductions are reaching Florida policyholders. Continue Reading Reinsurance…
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Citizens Policy Count Florida | Sun Insurance Services
Citizens policy count in Florida dropped to 278,662 as of June 19, 2026, an all-time low. Learn what this means for all…
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Florida Home Health Agency Insurance: What You Need to Know | Sun Insurance Services
Quick Answer: What Insurance Does a Florida Home Health Agency Need? Florida home health agencies must carry liability insurance and malpractice insurance…
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Florida Car Insurance Rates | Sun Insurance Services
Florida car insurance rates are dropping AND rising. Here’s why refunds and rate increases happen at the same time. Continue Reading Florida…
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Lending Your Car Insurance Florida | Sun Insurance Services
What happens to your insurance when a friend borrows your car in Florida? Continue Reading Lending Your Car Insurance Florida | Sun…
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Car Flood Damage Insurance | Sun Insurance Services
Does car insurance cover flood damage in Florida? Here is what comprehensive auto coverage pays. Continue Reading Car Flood Damage Insurance |…
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Product Liability Insurance | Sun Insurance Services
Product liability insurance helps Florida businesses manage costly claims from alleged product defects. Continue Reading Product Liability Insurance | Sun Insurance Services
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Jewelry Insurance Options | Sun Insurance Services
Homeowners rider or separate jewelry policy? Compare coverage, limits, and claims for Florida residents. Continue Reading Jewelry Insurance Options | Sun Insurance…
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Roof Age Florida Home Insurance | Sun Insurance Services
How roof age affects home insurance eligibility in Florida. Continue Reading Roof Age Florida Home Insurance | Sun Insurance Services
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Is Your Florida Home Ready for the 2026 Hurricane Season?
Is your Florida home ready for the 2026 hurricane season? Review coverage now. Continue Reading Is Your Florida Home Ready for the…
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Workers Comp HVAC Florida: What Every HVAC Contractor Needs to Know
Florida Statute 440.38 requires HVAC contractors to carry workers compensation from the first employee. Sun Insurance Services specializes in workers comp placement…
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Do Your Employees Need to Be Listed on Your Business Auto Policy?
Find out which employees need to be listed as business auto policy drivers, why carriers require disclosure, and how unlisted drivers can…
Not finding the Florida insurance article you need?
Sun Insurance Services is an independent agency serving Orlando and all of Florida. We shop multiple carriers to find the right coverage at the right price for home, auto, flood, and business insurance.