Plain-English help with Florida property & casualty insurance — home, auto, flood, and business coverage, plus the occasional life insurance topic.
Home Insurance ·
Hurricane Isaias made landfall near Destin on October 9 as a Category 2 storm, and by October 27 the Florida Office of Insurance Regulation was counting an estimated $652 million in insured losses across more than 62,000 claims. A month later, the tarps are up, the adjusters have mostly come and gone — and many…
Home Insurance ·
If Citizens Property Insurance covers your home, your next renewal comes with new paperwork. The Florida Office of Insurance Regulation has approved updates to Citizens' Personal Lines policy forms, effective for new and renewal business on December 1, 2026. Most of it is fine print — but a few changes can cost a…
Home Insurance ·
Every insurance claim for your belongings starts with the same request: list what you had. After a fire, a burst pipe, or a Tampa Bay storm, that means standing in a damaged home — or worse, working from memory at a relative's kitchen table — trying to recall every TV, appliance, tool, and piece of furniture you…
Home Insurance ·
After years of double-digit increases, Florida homeowners finally got some good news. On October 29, the Florida Office of Insurance Regulation (OIR) announced that more than 824,300 homeowners received rate decreases on new policies or renewals effective in October — including decreases of up to 12.1%. If you own…
Auto Insurance ·
Florida law (§627.7288) sets your windshield deductible at $0 if you carry comprehensive coverage. What that means across Pinellas, Hillsborough, Pasco, and Sarasota counties, why a shop offering to 'waive your deductible' is a red flag after the 2023 reforms, and the honest pros and cons of the law.
Home Insurance ·
Water in your Pinellas County home? Work the checklist in order: document before you clean up, report both claims fast, and know the deadlines — NFIP proof of loss in 60 days, Florida claim notice within 1 year, and what your insurer owes you under §627.70131. Plus why you should never sign an assignment of benefits at the door.
Home Insurance ·
Your homeowners policy excludes flood damage — rising water needs its own policy. Who must buy it in Florida (including the Citizens requirement that reaches every policy on January 1, 2027), what the NFIP covers up to $250,000/$100,000, the 30-day waiting period, and when private flood beats the NFIP.
Auto Insurance ·
Florida is a no-fault state. What that means for you: the $10,000 PIP coverage every driver must carry, the 80%/60% payment rules, the 14-day treatment deadline, the $2,500 emergency-condition cap, and when you can step outside the system and sue.
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