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Plain answers to the questions Florida drivers and homeowners ask me most. Type a word, or pick a topic.
Auto insurance
Costs, coverage, filings, and the rules that catch drivers off guard.
8 answers
Car Insurance Discounts Worth Asking About
Quoting early, bundling, student discounts, memberships, and the paperwork deadlines that decide whether you keep a discount.
Car Insurance Rules That Surprise People
Leased cars, older vehicles, rideshare, storms, cancellations, and other fine print that’s better to know before you need it.
Florida Car Insurance Requirements
What Florida requires on a registered vehicle, what each required coverage actually pays, what’s optional, and what happens if coverage lapses.
How to Lower Car Insurance Costs
Practical ways to bring your car insurance bill down, what each one costs you in protection, and the cuts that can backfire.
Insuring Teen, Permit, and New Drivers
Who has to be listed on your policy, what a learner’s permit means for your rate, which discounts help, and what to tell your agent before your teen drives.
SR-22 and FR-44 in Florida: What to Know Before You Call
What these filings are, what Florida law requires for each, what to have ready, and the rules that catch people off guard.
What Does "Full Coverage" Really Mean?
"Full coverage" isn’t an official term.
Why Did My Car Insurance Go Up?
No ticket, no accident, and the renewal still went up.
Home insurance
Roofs, inspections, hurricane deductibles, flood, and what companies look at.
18 answers
Buying a Home in Florida: Your Insurance Timeline
When to start shopping, which inspections to order and who pays for them, the flood waiting period exception for buyers, and the deadlines that can hold up a closing.
Florida’s State-Backed Home Insurer: When It’s an Option
Citizens is Florida’s state-backed insurer.
Does Homeowners Insurance Cover Flooding?
Homeowners insurance doesn’t cover flood.
Electrical Panels, Wiring, and Home Insurance
Older panels and wiring are one of the most common reasons a Florida home has trouble getting insured.
Florida Home Insurance and Roof Age
Why insurance companies care so much about your roof, what Florida’s 15-year roof rule does for you, and how an older roof gets paid at claim time.
Four-Point Inspections and Home Insurance
What a four-point inspection covers, when insurance companies ask for one, what they look for in each system, and what happens if it turns something up.
Home Insurance Discounts and Credits Worth Asking About
Roof shape, year built, leak detectors, gated communities, and the other credits Florida homeowners often miss, plus what Florida law requires insurers to offer.
Home Insurance Rules That Surprise People
Lapses, cancellation rules, claim deadlines, credit, and the other fine print that affects whether and how a Florida home gets insured.
How Much Should Your Home Be Insured For?
Why the number on your policy isn’t your purchase price, what Florida law says about replacement cost and building-code coverage, and what each coverage amount has cost in the area.
How Past Claims Affect Your Home Insurance
Past claims follow both you and the house.
Insuring a Rental Property in Florida: What Landlords Should Know
A rental home needs a landlord policy, not a homeowners policy.
Pools, Trampolines, Dogs, and Your Home Insurance
Pools, trampolines and dogs are the three things most likely to change your liability coverage.
Seasonal Homes, Rentals, LLCs, and Trusts
Snowbird homes, part-time rentals and homes owned by an LLC or trust do not fit the standard homeowners box.
Shingle, Tile, Metal, or Flat: How Your Roof Type Affects Insurance
Insurance companies treat shingle, tile, metal, and flat roofs very differently as they age.
Solar Panels and Home Insurance in Florida
Whether your panels are covered, what insurers ask about, what Florida law says about HOAs and utility insurance requirements, and what to do before you install.
Water Damage, Plumbing, and Older Homes
Why water coverage gets limited on older Florida homes, what insurers ask about plumbing and water heaters, what Florida law protects, and what helps.
Why Is My Hurricane Deductible So High?
Your hurricane deductible is usually a percentage of your dwelling coverage.
Wind Mitigation and Homeowners Insurance
What a wind mitigation inspection records, the discounts Florida law requires insurers to offer, the 2026 form change, and how to get one.
Getting a quote
What to have ready, and how to switch without a gap.
2 answers
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