What is the minimum auto insurance required in Florida?

Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. These minimums leave significant gaps and we always walk clients through what those limits actually cover in a real accident scenario.

Personal Insurance in Doral & Miami, FL

Q: Does Florida require homeowners insurance?

Florida does not have a state law requiring homeowners insurance, but your mortgage lender will require it as a condition of your loan. Given storm exposure and property values in South Florida, going without it would be an enormous financial risk.

Q: Is flood insurance included in my homeowners policy?

No. Standard homeowners policies exclude flooding. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private carrier. In many flood-zone areas of Miami-Dade, it is also required by your lender.

Why It Matters

Florida Has Its Own Rules.
Your Coverage Should Too.

Florida isn't like every other state when it comes to insurance. Hurricane season, no-fault auto laws, sinkhole risks, Citizens Insurance — there are layers here that a generic online quote simply won't account for. That's where having a local, licensed agent changes everything.

We've worked with homeowners, renters, and families across Doral and Miami-Dade to find coverage that actually holds up. Not the cheapest policy on paper. The right one for their situation.

Homeowners Insurance

Protect Your Biggest Investment

For most people, their home is the single largest purchase they'll ever make. Florida's insurance market makes protecting it more complicated than it should be, though it doesn't have to feel that way. We walk you through your options in plain language and make sure you're covered for what actually matters in South Florida: wind, hurricanes, water damage, and liability.

Whether you're insuring a single-family home, a townhouse, or a high-value property, we compare multiple carriers to find the right balance between coverage and cost.

What's typically covered:

—Dwelling & structure
—Personal property
—Liability protection
—Additional living expenses
—Wind & hurricane coverage
—Flood (separate policy)

Get a Homeowners Quote

Auto Insurance

Drive Confident. Drive Covered.

Florida is a no-fault auto insurance state, which means the rules work differently here than in most states. Every driver is required to carry Personal Injury Protection (PIP) and Property Damage Liability. Knowing the minimums is only the starting point, though. We help you understand what those minimums actually cover and where you'd be exposed if they're not enough.

We compare rates across multiple carriers for every driver profile: new drivers, multiple vehicles, SR-22 situations, and everything in between.

Coverage options:

—Liability (required)
—PIP / No-Fault
—Collision
—Comprehensive
—Uninsured motorist
—Roadside assistance

Get an Auto Quote

Renters & Condo Insurance

You Don't Have to Own to Need Protection

Your landlord's policy covers the building. It does not cover your belongings, your liability, or you personally. Renters and condo insurance fills that gap, and it costs less than most people think.

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Renters Insurance

If your apartment is broken into, flooded, or damaged by fire, your landlord is not responsible for your stuff. Renters insurance protects your personal property and covers your liability if someone is hurt in your space.

Personal property coverage
Liability protection
Loss of use / temporary housing
Medical payments to others

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Condo Insurance

Condo associations carry master policies, but those policies typically stop at your unit's walls. Interior fixtures, personal belongings, improvements, and liability are all on you. A condo policy covers exactly that.

Interior structure & fixtures
Personal property
Loss assessment coverage
Liability & guest medical

Flood Insurance

Standard home and renters policies do not cover flooding. In South Florida, that's not a minor gap. It's a critical one. We help you access NFIP and private flood policies that give you real protection when the water rises.

Building & contents coverage
NFIP & private flood options
Required in many flood zones
Available for renters too

Life & Health Insurance

The Coverage That Looks Out for the People You Love

Life insurance is one of those things most people know they need but never quite get around to. Health insurance can feel overwhelming to navigate alone. We simplify both by helping you understand what you're buying, what it actually does, and how much coverage makes sense for where you are in life.

Whether you're looking for term life, whole life, or health coverage for yourself or your family, we compare options across carriers to find the right fit.

Term Life Whole Life Universal Life Health Insurance Supplemental Health

Get a Life & Health Quote

Umbrella Insurance

One Lawsuit Can Change Everything.
An Umbrella Policy Makes Sure It Doesn't.

Your auto and homeowners policies both have liability limits. If you're ever involved in a serious accident or lawsuit where damages exceed those limits, you're personally on the hook for the difference. A personal umbrella policy fills that gap, typically for just a few hundred dollars a year.

For the cost, it's one of the smartest things you can do if you have assets worth protecting.

Ask About Umbrella Coverage

Common Questions

Personal Insurance FAQs

Does Florida require homeowners insurance?+

Florida doesn't have a state law requiring homeowners insurance, but your mortgage lender will require it as a condition of your loan. And honestly, given the storm exposure and property values in South Florida, going without it would be an enormous financial risk.

What's the minimum auto insurance required in Florida?+

Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. However, these minimums leave significant gaps. We always walk clients through what those limits actually cover in a real accident before recommending anything.

Is flood insurance included in my homeowners policy?+

No, and this is one of the most common and costly misunderstandings in Florida. Standard homeowners policies exclude flooding. You need a separate flood insurance policy, either through the National Flood Insurance Program (NFIP) or a private carrier. In many flood-zone areas of Miami-Dade, it's also required by your lender.

How much does renters insurance cost in Miami?+

Renters insurance in South Florida typically runs between $15 and $30 per month for most apartments, depending on the amount of personal property you're covering and your liability limits. It's one of the most cost-effective ways to protect yourself, and many landlords now require it.

Personal Insurance in Florida

Florida Has Its Own Rules.
Your Coverage Should Too.