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Moving to Florida and need insurance?

Moving to Florida was one of the best decisions that I’ve ever made in my young life. My young life was so long ago that the feeling should have faded by now, and yet I still remember it just as clearly as if the move was only just yesterday. I was only about 24 years old, fresh out of college and stuck somewhere between knowing absolutely everything and ‘finding myself’. 

The move hadn’t been something I had spent many sleepless nights thinking about, calculating, treating as a serious movement of the earth itself; I simply needed a place away from home to crash for a while, and I had family in the state. Never being one to pass up the opportunity for a free meal, and several free meals understandably being much more enticing than only one, I moved down into the Sunshine state with an empty wallet and a pocket full of vague dreams. I didn’t have connections, or prospects, or superpowers, but I knew that wherever I wound up, I wanted to be driving. 

I had driven my own car before, in my home state, but a recent fender bender was responsible for the reason that I had been forced to catch a bus down to the land of oranges. I needed to work, and I wouldn’t be able to work without wheels (at least I didn’t want to). 

So the next thing I knew, I found myself leaving the dealership lot behind the wheel of a brand new Nissan Altima. I’d never driven such a model of car, but as long as it had the capability to get me to Denny’s and back, I wasn’t the one you’d ever find complaining. The Nissan served me well for a good number of years when, wouldn’t you know it, I found out that I just must be a natural born demon when it comes to cars.

Another fender bender practically wiped out all of my paychecks for months afterwards, and before long, I was pretty desperate. It wasn’t until I stepped a little bit out of my own comfort zone and did something that I never fully imagined actually doing; buying my own car insurance. I’d never thought I was smart enough, car-savvy enough, wise enough or “experienced” enough to really ever consider going out and investing real time into the welfare of my own vehicle. 

Truth is, a big part of me was actually a little bit afraid of the idea of insurance in Florida. Despite my objectively undeniable history of terrible driving incidents, there was still one part of my psyche that apparently never was active whenever my past collisions had actually happened. It was almost as if there was a latent part of my own conscience that was afraid of acknowledging my own mortality. As if investing in the car insurance would suddenly make the threat of another car accident more “real”, and refraining from doing so would allow to me to continue living on with the illusion that they were yet still just another unfortunate instance, like getting struck by lightning that could only conceivably happen to someone else. 

In the land of the Sunshine State, I finally had to grow up just a little bit and come to the realization that life could happen to me too, just the same as it could always happen to somebody else, at any moment in time.

Today it sounds ridiculous, of course, but back then that’s just the way that it had always seemed. Florida car insurance seemed like such an untouchable, intimidating thing that it would be completely illogical to attempt working out the details on my own. Like checking bubble gum or whistling, I thought: when you’re born, either ya got it or ya don’t.

Or so I thought.

It turns out that what I was truly afraid of was never actually car insurance at all, but the phantom stereotype of “bad” car insurance. I was afraid of uninformative agents, illegible text, dishonored requests and, ultimately, a blatant waste of money.After several years of bad luck on the road, I suppose you could say that my own karma had decided that it wasn’t getting the message across and that I would need more guidance. All it took was once incidental near-crash to finally convince me to invest in car insurance and stop living in the ever-popping bubble of “it only happens to other people” that I’d tried convincing myself was a solid shelter. Getting coverage at Florida Insurance Quote ( is a decision I would never take back for the life of me. The bubble was bound to burst again at some point, knowing my luck. There is no telling now where I would be , financially, if I hadn’t mustered up the stones to refuse the complacency of my younger mentality that day and gone in to get my first real automotive insurance.

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Florida auto insurance rates

Florida auto insurance rates

If you think Florida auto insurance rates are high, you’d be right.  The auto insurance rates in Florida are among the highest in the nation.  No insured drive can escape the continuous rise in costs.  Even if you only carry the very minimum coverage required by Florida state law, you’re going to be affected by these climbing rates.

Why Are Florida Auto Insurance Rates So High?

Insurance carriers throughout the state blame the rise in costs on PIP, or personal injury protection coverage.  The state requires that every policy include a minimum of $10,000 coverage for personal injuries caused by an accident, no matter whose fault it is.  According to, the PIP claims have ballooned over the years, causing the insurance rates to continually go up.

Professionals in the insurance industry are claiming that fraud has a lot to do with the increase in these PIP claims.  They say staged accidents are on the rise.  Alleged victims of these staged accidents claim injury, go to a medical provider and the provider collects the $10,000 insurance money.  The Tampa area seems to be one of the prime spots, showing a big increase in the number of PIP claims.

Other insurance companies question whether there’s actually an increase in fraud or whether the consumer is just becoming more aware of their options when it comes to filing claims.  It is quite common these days to see advertisements everywhere by personal injury attorneys encouraging people to seek damages if they’ve been injured in an automobile accident.

How To Find The Best Rates

Your auto insurance rates from are based on a lot of different factors.  For instance, your age and your driving history can have an affect on how much you will pay.  Other factors that influence your rates are where you live, city or rural, and the kind of car you own.  These factors can vary widely among the different insurers.  For example, the kind of car you want to insure won’t necessarily be assigned the same rate with every company.

As of September, 2014,  studies show that Florida auto insurance rates were the highest in Miami and the lowest were in Gainesville.  The average rate for auto insurance was about $996.  With so many companies offering auto insurance, you’ll want to take the time to shop around for quotes.

Arming yourself with comparison rates will help you get the best policy for your situation and your budget. You can easily get the information you need by searching for quotes online.  Most websites will let you search by entering your zip code to get an accurate idea of the rates in your specific area.

Keep in mind that Florida law requires everyone to carry minimum coverage according to  Should you let your coverage expire it can result in losing your driving privileges and it will cost you to get those privileges back.  So even if you think Florida auto insurance rates are expensive, the cost of not having insurance or letting your insurance lapse will only cost more in the end.

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What isn’t covered by my Florida home insurance?

There are several things that are not included with your Florida home insurance policy. Here are some things that you need to understand about this insurance.

The Loss Must be Accidental and Sudden

If the loss in the home is something that has been slowly developing over time it’s not included in the home insurance policy. The loss has to be something that is accidental and occurs quite suddenly.

Normal Repairs

According to, your policy won’t cover normal wear and tear. For example, if you have a very old roof that needs replacing this is not covered under your policy. You would be responsible for replacing that roof on your own and out of your own pocket.


If you neglect your property, home insurance in Florida does not cover this. You need to take action to correct things in your home on your own and this is not covered. For example, if you have a small crack in your wall you need to repair this by yourself or have someone do it for you. If you notice a leak in a pipe but don’t fix this in your house floods you’re not covered by your policy.

Wind Damage

If you have a tree that falls during a windstorm on your property but hasn’t hit the house or another structure that is covered then the policy is not going to cover the removal of this tree. If the tree does fall and damages a covered structure, then you do have some coverage to have this tree removed from the property.

Does Not Cover Vacant Homes

Your policy does not cover a home that is vacant. The policy only covers a  property that has been occupied by an owner. The insurance company considers a vacant home to be at a higher risk. A vacant home is going to need a different type of insurance policy.

Water Runoff

An insurance policy won’t cover water runoff that occurs after heavy rainwater has pulled in one location according to If this water happens to humiliate and then seeps into the foundation and you get damage to the foundation then this is not covered under your insurance. if you notice water that is pooling on your property you should have this looked at by a professional.

Not Taking Action

If your property is damaged such as a tree landing on the roof you need to take action it to further limit the damage. For example, this would include putting a tarp on the roof to keep out rainwater. If you allow further damage to occur to the property such as water damage from the hole in the roof, you are not going to be covered under your policy.


Talk to your insurance provider to understand everything you need to know about what is and what is not covered under your current FL home insurance policy.