The Complete Florida Insurance Review Guide
Make sure your insurance coverage is ready for life in the Sunshine State.
Why Review Your Insurance?
Many people simply transfer their existing insurance policies when they move to Florida. While that's a great starting point, Florida's weather, laws, and insurance market make it important to review your coverage with a licensed insurance advisor.
A comprehensive review can help identify coverage gaps, eliminate unnecessary policies, and ensure you're properly protected before you need to file a claim.
Auto Insurance
Florida has different insurance requirements than many other states. Before registering your vehicle, you'll generally need a Florida auto insurance policy that meets the state's minimum coverage requirements.
During your review, consider:
Liability limits
Comprehensive and collision coverage
Uninsured/Underinsured Motorist coverage
Rental reimbursement
Roadside assistance
Deductibles
Many drivers choose limits above Florida's minimum requirements for additional financial protection.
Homeowners Insurance
Your home is likely your largest investment.
Review your policy to make sure you understand:
Dwelling coverage
Personal property limits
Personal liability coverage
Additional Living Expenses (ALE)
Hurricane deductible
Roof coverage
Ordinance or Law coverage
Coverage should reflect today's rebuilding costs—not simply what you paid for your home.
Flood Insurance
One of the biggest misconceptions among new Florida residents is that homeowners insurance covers flooding.
It generally does not.
Flood insurance is purchased separately and may be required by your lender if your property is located in certain flood zones. Even homes outside high-risk flood areas can experience flooding from heavy rain or hurricanes.
Boat & Watercraft Insurance
Living in Florida often means spending time on the water.
If you own a:
Boat
Personal watercraft (Jet Ski)
Sailboat
Fishing boat
it's a good idea to review whether you have adequate physical damage and liability coverage.
Golf Cart & Recreational Vehicle Coverage
Golf carts are common in many Florida communities, but homeowners insurance may not automatically provide coverage when they're driven away from your property.
If you own a:
Golf cart
ATV
RV
Utility vehicle
review your coverage to make sure it's appropriate for how you use the vehicle.
Valuable Personal Property
Standard homeowners policies often limit coverage for valuable items.
Consider whether you should schedule:
Jewelry
Watches
Fine art
Firearms
Collectibles
Cameras
Musical instruments
Special endorsements may provide broader protection.
Annual Insurance Review Checklist to make your visit easier
☐ Auto Insurance
☐ Homeowners Insurance
☐ Flood Insurance
☐ Umbrella Insurance
☐ Boat or Watercraft Insurance
☐ Golf Cart or Recreational Vehicles
☐ Valuable Personal Property
☐ Deductibles
☐ Liability Limits
☐ Beneficiaries (where applicable)
☐ Discounts and Bundling Opportunities
Life Changes That May Affect Your Coverage
Your insurance needs can change after:
Purchasing a home
Getting married
Having children
Buying a boat
Starting a business
Renovating your home
Purchasing investment property
Entering retirement
Reviewing your policies after major life events can help keep your coverage aligned with your current needs.
It’s Time for Your Personalized Insurance Review.
Every Florida resident's insurance needs are different. Whether you've just moved to the state or have lived here for years, the advisors at Ted Todd Insurance can review your current policies, explain your coverage, identify potential gaps, and help ensure you're protected before the unexpected happens.
Your Questions, Answered
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At least once a year, and anytime you experience a major life event such as purchasing a home, getting married, or buying a new vehicle.
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No. Flood damage is generally excluded from standard homeowners insurance and typically requires a separate flood insurance policy.
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Not everyone does, but many homeowners choose umbrella coverage to provide additional liability protection beyond their home and auto policies, especially if they have significant assets or higher liability exposure.
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Bundling home, auto, and other policies can often qualify you for discounts, but it's still worth reviewing your coverage and pricing periodically to ensure it remains competitive.