The Complete Florida Divorce Guide

Learn the important financial, legal, and insurance considerations to keep in mind during and after a divorce in Florida.

Getting Organized

Before making changes, gather copies of important documents such as:

  • Marriage certificate

  • Divorce filings

  • Insurance policies

  • Mortgage documents

  • Vehicle titles

  • Bank and investment statements

  • Retirement account information

  • Estate planning documents

Keeping everything organized will make the process easier.

Updating Your Insurance

One of the most commonly overlooked parts of a divorce is reviewing your insurance coverage.

Depending on your situation, you may need to update:

  • Homeowners insurance

  • Auto insurance

  • Flood insurance

  • Umbrella insurance

  • Boat insurance

  • Motorcycle insurance

  • Golf cart insurance

  • RV insurance

  • Valuable personal property coverage

If policies were previously shared, new coverage may need to be arranged after the divorce is finalized.

Review Your Life Insurance

Life insurance is often an important part of a divorce settlement.

After a divorce, you may want to review:

  • Beneficiary designations

  • Policy ownership

  • Coverage amounts

  • Children as beneficiaries

  • Trust arrangements (if applicable)

Keep in mind that changing beneficiaries may not always be appropriate or permitted until legal agreements are finalized.

Your Home

If real estate is involved, consider questions such as:

  • Who will remain in the home?

  • Will the home be sold?

  • Will one spouse refinance the mortgage?

  • Does the homeowners insurance need updating?

  • Has ownership changed?

Any changes to ownership or occupancy should be reported to your insurance company.

Vehicles

Don't forget to review:

  • Vehicle ownership

  • Vehicle titles

  • Auto insurance policies

  • Drivers listed on the policy

  • Garaged addresses

  • Discounts that may no longer apply

Updating your policy promptly can help prevent coverage issues.

Review Beneficiaries

Many financial accounts allow you to name beneficiaries.

After a divorce, review:

  • Life insurance

  • Retirement accounts

  • Investment accounts

  • Transfer-on-death accounts

  • Payable-on-death accounts

Be sure any updates are consistent with your divorce agreement and applicable law.

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Protect Your Financial Future

Once the divorce is finalized, many people use the opportunity to revisit their broader financial plan.

Consider reviewing:

  • Emergency savings

  • Retirement contributions

  • Budget

  • Debt repayment

  • Insurance coverage

  • Long-term financial goals

Building a fresh financial plan can help provide confidence for the future.

Update Your Estate Plan

Divorce is often a good time to review:

  • Your will

  • Trusts

  • Durable Power of Attorney

  • Health Care Surrogate

  • Living Will

An estate planning attorney can help ensure your documents reflect your current wishes.

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Official Florida Resources

It’s time to Review Your Insurance.

Divorce often means making important changes to your insurance coverage. Whether you're updating your homeowners, auto, life, flood, umbrella, or recreational vehicle policies, the advisors at Ted Todd Insurance can help you understand your options and ensure your coverage reflects this new chapter of your life.

Speak with a Ted Todd Insurance Advisor

Your Questions, Answered

  • In many cases, insurance changes depend on your legal agreement and individual circumstances. Before removing a spouse from a policy or making significant changes, consult your attorney and insurance advisor.

  • If ownership or occupancy of the home changes, your homeowners insurance may also need to be updated. Your insurance advisor can help determine what changes are appropriate.

  • Possibly. Many people review beneficiary designations after a divorce, but legal agreements or court orders may affect when and how changes can be made.

  • If you previously shared a policy, you may need separate coverage after the divorce. You'll also want to update vehicle ownership, listed drivers, and garaging addresses if they change.

  • Yes. Divorce is often a good time to review your entire estate plan, including your will, powers of attorney, healthcare directives, and beneficiary designations.

  • Jointly owned property may require continued insurance coverage until ownership is transferred or the property is sold. Speak with your attorney and insurance advisor before making changes.

  • Yes. If your assets, property ownership, or liability risks change after a divorce, it's a good time to determine whether your umbrella policy still provides appropriate protection.

  • As soon as practical. Once your divorce is finalized—or when legally appropriate—reviewing your insurance policies can help ensure your coverage reflects your new circumstances.