Insurance Florida Now

Navigating insurance in Florida requires a unique approach due to the state's frequent tropical storms, high real estate value, and specific legal mandates. This guide outlines the essential coverage you need and practical ways to manage costs in this complex market. 1. Mandatory & Essential Coverage

Florida is a "no-fault" state. As of early 2026, drivers must carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). insurance florida

Upcoming Change: Be aware that Florida lawmakers have passed legislation to repeal mandatory PIP, effective , moving the state toward a more fault-based system. Navigating insurance in Florida requires a unique approach