Insurance Pages for Florida Cities

Florida Coverage Requirements and Choices

Florida Minimum Auto Coverage: $10,000 PIP + $10,000 PDL

For most registered private passenger vehicles: $10,000 PIP and $10,000 property damage liability. This is not a universal bodily injury minimum for every Florida driver or vehicle.

The usual registration baseline includes $10,000 personal injury protection. Bodily injury liability has separate financial-responsibility requirements in some cases. Review bodily injury, UM/UIM and damage to your own vehicle instead of treating PIP/PDL as complete protection.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Florida auto insurance requirements

Florida Coverage Requirements and Choices

Florida Property Coverage Questions

• Hurricanes, tropical storms, heavy rain, lightning, wind, heat, and coastal weather can drive coverage conversations.
• Roof age, wind mitigation, and storm deductibles may be very important for property quotes.

Auto liability numbers do not apply to home coverage. Set dwelling and property limits from rebuilding cost, belongings, occupancy and lender or lease requirements. In Florida, review the exact address, roof, deductible, water exclusions and any separate wind or flood policy.

Standard homeowners, renters and business policies generally exclude flood. Check the address on FEMA’s map and discuss building and contents protection separately.

FEMA address-level flood maps · Federal flood insurance guidance

Florida Coverage Requirements and Choices

Workers Compensation in Florida

Workers compensation generally applies at one employee in construction and four employees in non-construction businesses. Agriculture, owner exemptions and subcontractors have additional rules.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Florida employer coverage guidance

Florida Coverage Requirements and Choices

Choose a death benefit from income replacement, debts, childcare, education, final expenses and business obligations. A state auto minimum is not a life insurance coverage amount. Compare term length, permanent-policy guarantees, beneficiaries and affordability with your Florida application and insurer underwriting.

NAIC life insurance consumer guide