Frequently asked questions

Yes. Florida requires every registered vehicle to carry at least $10,000 in Personal Injury Protection (PIP), which pays your own medical bills after an accident regardless of who caused it.

An SR-22 is a form your insurer files with the state to confirm you carry the required minimum coverage, usually after a serious violation like a DUI or driving without insurance. Not everyone needs one. We can tell you quickly whether your situation requires it.

Often yes. As an independent agency, we can look at bundling your auto with home, renters, or other policies where a carrier offers it, which can simplify billing and sometimes help with pricing. We'll check what's available for your situation.

Yes, most carriers we work with allow multiple vehicles on a single policy, which usually simplifies billing and can help with pricing depending on the carrier and your driving history.

No. Standard homeowners policies exclude flood damage. Flood coverage requires a separate policy, typically through the National Flood Insurance Program or a private flood carrier.

A wind mitigation inspection documents features like impact windows, roof-to-wall connections, and roof shape that reduce hurricane damage risk. Carriers commonly offer credits for these features, so it's worth having one done, especially on an older home.

Roof age and condition are one of the biggest factors in Florida homeowners underwriting, since roof damage drives most storm claims. Many carriers limit or decline coverage for roofs beyond a certain age unless a recent inspection shows they're in good condition.

Yes, condo owners typically need an HO-6 policy, which covers the interior of your unit and belongings, since the condo association's master policy usually covers the building structure and common areas.

Usually not. Personal auto policies typically exclude business use, so a vehicle titled to your business, financed through a business loan, or used primarily for work needs a commercial auto policy instead.

That's covered by hired and non-owned auto coverage, which is an add-on to a commercial auto policy for situations where employees use personal vehicles for business tasks like deliveries or errands.

Yes, most commercial auto carriers we work with can write multiple vehicles under a single fleet policy, which usually simplifies billing and paperwork as your business grows.

Not by default. Cargo coverage is typically a separate add-on to a commercial auto policy, worth considering if you regularly transport goods or equipment you're responsible for.

It depends on your industry and contracts, but many commercial landlords and client agreements in Florida require a minimum of $1 million per occurrence. We can help you check what your lease or contracts actually require.

No, they're separate coverages. Florida generally requires workers' compensation once a non-construction business has four or more employees, or a construction business has even one. That's in addition to, not instead of, general liability insurance.

Often yes. A homeowners policy typically excludes business activity and business property, so if clients visit your home or you store business equipment there, a business policy fills that gap.

Clients and landlords ask for a certificate of insurance to confirm you carry active general liability coverage at a specific limit before work begins or a lease starts. We can issue one once your policy is in place.

Many boat policies require you to haul out or relocate your boat to a designated safe location once a named storm approaches. Check your policy's specific requirement, since not following it can affect a claim.

It's not legally required in Florida for most private boats, but marinas commonly require proof of liability coverage to dock, and physical damage coverage protects your investment either way.

Often yes, depending on the carrier and policy, personal watercraft can be added alongside a boat or as their own policy. Tell us what you're insuring and we'll confirm the right fit.

Boat policies are typically written as either agreed value, a fixed payout amount set when the policy starts, or actual cash value, which accounts for depreciation. We'll walk through which makes sense for your boat.

Yes. Umbrella insurance sits on top of underlying policies like auto, home, or boat insurance, and most carriers require you to carry a minimum liability limit on those policies first.

It depends on your assets and real exposure to a lawsuit, but many households start at $1 million and add coverage in increments from there. We can help size it based on what you actually have to protect.

Often yes. Many umbrella policies cover certain personal liability claims, like libel, slander, or false arrest, that standard home or auto policies don't address at all.

Yes, a single umbrella policy typically sits above all your underlying policies at once, as long as each of them meets the required minimum liability limit.

Marketplace plans have a fixed annual open enrollment window. Outside that window, you can typically only enroll if you have a qualifying life event, like a move, marriage, or loss of other coverage.

No. Florida has not expanded Medicaid, which affects income eligibility cutoffs compared to states that have. We can help you understand what that means for your household's options.

It depends on your income, debts, and what you want covered, like a mortgage or your family's future expenses. We can help you size it based on your actual situation, not a generic formula.

It depends on the policy and carrier. Some life insurance products require a medical exam, while others are available without one, usually with different coverage limits or pricing.

Yes, in most cases you can update your beneficiaries at any time by submitting a change request to your carrier, without needing to replace the policy itself.