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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Could Wave-Shaped Buildings Reduce Hurricane Damage in Florida?
Florida university engineers are studying wave-shaped roofs and walls that reduce wind pressure. What could this mean for hurricane damage and homeowners…
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Workers Comp Insurance Broker | Sun Insurance Services
Should Florida small business owners get workers comp through a payroll provider or an independent insurance broker? Here is what to consider…
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Plumber General Liability Insurance: What to Do When Renewal Costs Jump
Plumbing liability renewal increasing? Compare annual costs, policy limits, exclusions and business details before switching insurers. Continue Reading Plumber General Liability Insurance:…
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Hurricane Isaias Hits Florida: Damage, Recovery and Insurance Claim Steps
Hurricane Isaias made landfall near Destin on October 9, 2026. Here is what Florida residents should know about damage, recovery, wind and…
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Cheap Insurance vs. Good Value: Why the Lowest Price Can Cost You More
Quick Takeaway The cheapest insurance policy is not always the most cost-effective policy. A lower premium can come with higher deductibles, lower…
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Florida Property Insurance Claims: Separating Fact from Fiction
Know the facts about Florida property insurance claims, payment deadlines, denials, OIR oversight, and where homeowners can get help. Continue Reading Florida…
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Turo Car Insurance Florida | Sun Insurance Services
Florida Turo hosts with a Tesla Model Y may have options beyond Tesla Insurance. Learn what coverage types apply, how rates are…
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How to Switch Insurance Companies | Sun Insurance Services
Thinking about switching insurance companies in Florida? Learn what to consider before you make a move, from claims handling and customer service…
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Orlando Flooding & Flood Insurance | Sun Insurance Services
Recent Orlando flooding is a reminder that Central Florida homes can face flood risk even miles from the coast. Learn what homeowners…
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Congratulations to Our Client, Chance 2 Dance!
Congratulations to our commercial insurance client Chance 2 Dance on its recognition and its work bringing inclusive dance to Central Florida. Continue…
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Do I Need an Umbrella Insurance Policy?
You do not need to be wealthy to benefit from umbrella insurance. Learn how personal umbrella coverage works and which everyday liability…
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Florida Insurance Commissioner Announces Renters Rate Decrease: What It Means for Orange County
Florida Insurance Commissioner Mike Yaworsky announced a renters insurance rate decrease affecting more than 120,000 policies, with a 13.4% average decrease in…
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.