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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Workers’ Comp Insurance for an AV Company in Florida: What Should You Look For?
Florida audio visual companies can have unusual workers’ compensation exposures because employees may work in warehouses, offices, event venues, construction sites, ceilings,…
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How Much Is Car Insurance for a 21-Year-Old in Florida?
Car insurance for a 21-year-old in Florida can vary significantly by carrier, vehicle, ZIP code, driving history, coverage, and other rating factors.…
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What Is Form OIR-B1-1802? | Sun Insurance Services, Inc.
Form OIR-B1-1802 is Florida’s Uniform Mitigation Verification Inspection Form. It is used to document wind-resistant construction features that an insurance company may…
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Florida Insurance for Aerospace Engineers in Brevard County | Sun Insurance Services
Space Coast Relocation Insurance Guide Florida Insurance Guide for Aerospace Engineers Moving to Brevard County By Kim Osburn, Personal Lines Insurance Agent,…
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Cyber Insurance for Small Businesses: What Coverage Actually Matters?
A compromised email account can lead to fraudulent payment instructions, forensic costs, business interruption, client claims, and reputational damage. Learn which cyber…
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Florida Workers’ Compensation Rates Could Decrease 7.4% in 2027
NCCI has proposed a 7.4% decrease in Florida workers’ compensation rates effective January 1, 2027. Here is what Florida employers should know…
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Who can sign a Wind Mitigation form in Florida?
Florida law limits who can sign the Uniform Mitigation Verification Inspection Form, OIR-B1-1802. Qualified inspectors can include properly trained Florida-licensed home inspectors,…
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How Long Is a Wind Mitigation Inspection Valid in Florida? | Sun Insurance Services
Florida’s Uniform Mitigation Verification Inspection Form is valid for up to five years if no material changes have been made to the…
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Flood Insurance Gap Florida | Sun Insurance Services
Too few Floridians carry flood insurance, and the NFIP faces serious problems including delayed claims and poor coverage. Learn about the flood…
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Workers Comp for Painters | Sun Insurance Services
Florida law requires workers’ compensation insurance for painting and drywall contractors with even one employee. Learn what coverage may apply, what it…
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Why Do You Need Insurance | Sun Insurance Services
Insurance is a financial resource that helps Florida residents recover from hurricanes, accidents, floods, and other unexpected events. Learn why coverage matters…
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Property Insurance Policy Documents | Sun Insurance Services
Learn how to read and respond to Florida property insurance policy documents, from declarations pages and endorsements to cancellation and rescission notices.…
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.