Florida Insurance FAQ
Get clear answers to common Florida insurance questions about homeowners, flood, condo, renters, auto, boat, business, workers’ compensation, and cyber insurance.
Sun Insurance Services is an independent Orlando insurance agency serving clients throughout Florida. We compare coverage options from multiple carriers and help clients understand deductibles, limits, exclusions, inspections, underwriting requirements, and coverage gaps.
Florida Insurance Topics
General Florida Insurance Questions
Why choose an independent insurance agent in Florida?
An independent insurance agency can compare coverage from multiple insurance companies rather than offering only one carrier. That can give Florida consumers more options for eligibility, deductibles, limits, endorsements, and price.
What information do I need for an insurance quote?
Depending on the coverage, you may need names, addresses, contact information, property details, vehicle and driver information, prior insurance, claims history, current limits, mortgage or lienholder information, and requested effective dates.
How often should I review my insurance policies?
Review coverage at least annually and whenever there is a major change such as a home purchase, renovation, new roof, new vehicle, new driver, business change, property purchase, major asset acquisition, or change in liability exposure.
How do I report an insurance claim?
Claims can usually be reported directly to the insurance carrier using the claims contact information on the policy or carrier website. Sun Insurance Services can also help clients locate the appropriate carrier contact and understand the next steps.
Florida Homeowners & Flood Insurance FAQ
What does Florida homeowners insurance usually cover?
A standard homeowners policy commonly includes dwelling, other structures, personal property, loss of use, personal liability, and medical payments coverage, subject to the policy terms, exclusions, deductibles, and limits.
Does homeowners insurance cover flooding in Florida?
Standard homeowners policies generally do not cover flood damage. Flood insurance is usually purchased separately through the National Flood Insurance Program or a private flood insurer.
What is a hurricane deductible?
Florida residential property policies may apply a hurricane deductible to covered hurricane losses rather than the standard all-other-perils deductible. The deductible amount and when it applies depend on the policy and Florida law.
Can a wind mitigation inspection lower my homeowners premium?
Qualifying wind mitigation features can make a Florida home eligible for premium credits or discounts. The actual savings depend on the home’s features, insurer, policy, and current rating plan.
Does roof age affect Florida homeowners insurance?
Yes. Roof age, material, condition, remaining useful life, and documentation can affect eligibility, inspections, underwriting, and premium. Requirements vary by insurer.
Florida Condo & Renters Insurance FAQ
Do condo owners in Florida need their own insurance?
A condominium association’s master policy does not replace a unit owner’s HO-6 policy. Unit owners should review coverage for personal property, portions of the unit they are responsible for, liability, loss of use, and loss assessment.
What is loss assessment coverage for a Florida condo owner?
Florida residential condominium unit-owner policies must include at least $2,000 of property loss-assessment coverage for qualifying assessments arising from the same covered direct property loss, subject to statutory conditions and policy terms.
Why should Florida renters carry renters insurance?
Renters insurance can protect personal property, provide personal liability coverage, and help with additional living expenses after certain covered losses. Landlords may also require tenants to maintain coverage.
Florida Auto Insurance FAQ
What affects my Florida auto insurance premium?
Insurers may consider factors such as driving history, location, vehicle, annual mileage, household drivers, prior insurance, claims history, selected limits, deductibles, and other rating factors permitted by law.
What is the difference between collision and comprehensive coverage?
Collision generally covers eligible damage to your vehicle from a collision or upset. Comprehensive generally covers eligible non-collision losses such as theft, vandalism, fire, falling objects, and certain weather-related damage.
What is uninsured motorist coverage in Florida?
Uninsured and underinsured motorist coverage can protect insured people who are legally entitled to recover damages from an uninsured or underinsured driver. Florida law requires insurers issuing qualifying bodily injury liability coverage to offer UM coverage unless the named insured rejects it or selects lower limits in writing.
Does auto insurance cover a flooded vehicle?
Flood or rising-water damage to a vehicle is generally handled under comprehensive coverage when that coverage is carried and the loss is otherwise covered by the policy.
Florida Business Insurance FAQ
What business insurance does a Florida business need?
Coverage depends on the operation. Florida businesses commonly review general liability, commercial property, workers’ compensation, commercial auto, professional liability, cyber insurance, inland marine, product liability, and umbrella or excess liability.
When is workers’ compensation required in Florida?
Florida construction employers with one or more employees generally need workers’ compensation coverage. Non-construction employers generally need coverage with four or more employees. Agriculture has separate thresholds, and valid exemptions can affect the count.
What does cyber insurance cover?
Cyber insurance may cover certain breach-response expenses, data restoration, cyber extortion, business interruption, privacy liability, network-security liability, and related defense costs, depending on the policy.
Florida Boat Insurance FAQ
Is my boat fully covered by my homeowners or auto policy?
Homeowners policies may provide only limited coverage for certain boats and related property, while auto insurance is not a substitute for boat insurance. A separate boat policy can provide broader physical damage and liability protection.
Florida-Specific Insurance Facts Worth Knowing
- Flood: standard homeowners policies generally do not cover flood damage, so flood insurance is usually purchased separately.
- Condo loss assessment: Florida residential condominium unit-owner policies must include at least $2,000 of qualifying property loss-assessment coverage, subject to statutory conditions.
- Workers’ compensation: construction employers generally face a one-employee threshold, while non-construction employers generally face a four-employee threshold.
- Uninsured motorist coverage: when qualifying bodily injury liability coverage is issued, Florida law requires UM coverage to be offered unless it is rejected or lower limits are selected in writing.
Ask Sun Insurance Services a Florida Insurance Question
Sun Insurance Services, Inc.
7680 Universal Blvd Suite 198
Orlando, FL 32819
Call or Text (407) 781-1600
