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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Does Home Insurance Cover Earthquakes in Florida?
Standard Florida home insurance excludes earthquakes. Here is what to know. Continue Reading Does Home Insurance Cover Earthquakes in Florida?
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Florida Home Insurance Coverage Options: What You Need to Know
Florida home insurance options for Orlando and Central Florida homeowners. Sun Insurance Services explains dwelling, windstorm, flood, and liability coverage. Continue Reading…
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Florida’s New Wind Mitigation Form Is Now in Effect
Florida’s new wind mitigation form is now in effect. Learn what changed in 2026 and how it may affect homeowners, buyers, and…
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Homeowners Insurance Cover Gold | Sun Insurance Services
Does homeowners insurance cover gold? In many cases, gold coins, bullion, and precious metals are subject to special policy sub-limits that can…
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Why Property Insurance Costs Keep Rising
Severe storms matter, but rising construction costs, labor shortages, inflation, and development patterns are driving many Florida insurance cost increases. Continue Reading…
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Florida Hurricane Season Is Here: Are You Ready?
Prepare for Florida hurricane season with tips for emergency kits, flood insurance, home protection, and storm readiness. Continue Reading Florida Hurricane Season…
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Are Your Insurance Costs Outpacing Your Income? Let’s Review Your Options
Rising insurance premiums can strain any budget. Learn why costs are increasing in Florida and explore practical ways to manage your insurance…
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Cuando un Padre Firma y Comparte el Título del Auto de un Hijo Adulto | Cinthia Lantigua
Conozca cómo firmar y compartir el título de un vehículo con un hijo adulto puede crear riesgos de responsabilidad civil y problemas…
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When a Parent Co-Signs and Co-Owns an Adult Child’s Car
When a parent co-signs a car loan for an adult child in Florida, the parent may still have liability exposure if their…
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Jewelry Insurance vs. Homeowners Rider: Which Fits Your Needs?
Published March 9, 2026, updated May 1, 2026. Introduction Florida homeowners looking to insure jewelry generally have two options: adding a scheduled…
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Who’s Driving Your Car? Florida Auto Insurance and Household Driver Disclosure
Does your auto insurance cover everyone who drives your car? Learn how Florida insurers treat household drivers, college students, and named driver…
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Recreational Vehicle Insurance: E-Bikes, Golf Carts & More
Recreational Vehicle Insurance: E-Bikes, Golf Carts & More Published: January 13, 2026 Updated: January 26, 2026 Introduction Florida’s year-round sunshine makes it…
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.