A Leading Source For Cheap Insurance in Florida (FL)

Learn more of the latest information on auto and homeowners insurance in Florida. For a list of Agents by city check out our Florida city directory provided below.


FL Insurance Index: Auto Insurance | Home Insurance | Health Insurance

Auto Insurance in Florida

Purchasing coverage for motorized land vehicles, for example passenger cars, pickup trucks, vans and motorcycles is required by law. Your policy should cover damages to, or loss of, the vehicle congruent with the cost of repair or replacement, the actual cash value or a value mutually agreed upon by the agent and the potentially insured. Loss and liability, along with maintenance expenses or operating costs, surgical, hospitalization and other medical costs are also covered. A policy will cover death benefits to surviving family members and funeral expenses if they occur as a result of riding in, or entering or exiting and being hit by another car. This coverage and terms of what are included will be detailed in the liability insurance contract.

The insurance covers injury or death of the driver and passengers. Any coverage out of the ordinary must be detailed in the policy. A private passenger car cannot be rented out to another individual as the insurance coverage would be voided by doing so. It would then be designated a livery or rented vehicle.

Personal injury protection (PIP) is called private passenger no-fault auto coverage.

Private passenger auto liability covers the insured when physical injury or harm is done to property with the exception of damage to the vehicle.

Private passenger comprehensive covers damages caused by a collision that involves damage to the vehicle.


Florida Homeowners Policies

Homeowners’ insurance is a specific kind of coverage on property. It covers damage that occurs as the result of theft, vandalism, fire and storm. This kind of property insurance provides protection against accidental injury or death caused by the insured driver who is legally responsible. A homeowners’ policy must be taken out at the time a mortgage lender approves the mortgage loan for the new homeowner.

A standard insurance policy for the homeowner covers several components:

1. Insurance covering a home
2. Insurance covering additional structures on the property
3. Insurance covering personal property in the home or on the property
4. Insurance covering interim living quarters while the home is repaired
5. Insurance covering personal liability
6. Insurance covering medical expenses for others

Exclusions to the standard policy

The homeowners’ insurance can pertain to a house; however, it can also cover other structures including rental units along with the tenants and those who own condominiums.

Florida Insurance News & Updates

How Much Is Homeowners Insurance, Average Cost By State
Homeowners insurance rates vary from state to state as living in different areas will bring various risks.If you’re on the coast or in tornado alley, rates will be a bit more compared to places with calm weather or less risk.  Insurers also focus in on the side of town you live. If you live in [...]
Posted: January 28, 2012, 2:43 pm
Mercury Insurance with its Superior A+ Rating: A Contender for the Cheapest Insurance Rates
Since 1962, Mercury Insurance has provided a wide range of insurance options to its customers including personal auto insurance, home insurance, renter’s coverage, business insurance and mechanical break-down protection. Mercury works with a large network of independent agents and is now one of the leading insurers in California. This company has also been recognized as [...]
Posted: August 27, 2011, 2:05 pm
Ultimate Guide To Comparing Home and Auto Insurance Quotes
Until you see the savings, shopping for auto and homeowners insurance is never fun or entertaining.  It takes time, patience and its helpful to have some insurance knowledge.  Whether you’re looking for a cheaper auto and home insurance rates or better coverage, you’ll find what I’m about to tell you very useful. Companies will often [...]
Posted: June 2, 2011, 12:15 am
No-Fault Auto Insurance
With no-fault automobile insurance policies, the policyholders get paid for their losses from the insurance company regardless of whose fault the accident was. The reality of it is of course that close adherence will be taken to the state law requirements that maintain jurisdiction over the insurance (and require no-fault). The stricter ones may also [...]
Posted: July 15, 2010, 8:04 pm
Florida’s Accessory Law On The Hanging Truck Balls
Are these truck balls distracting? Florida seems to think so which is why the state has made these “truck nutz” illegal throughout the entire state. It’s but another crack down on freedom of expression. If caught driving around with a pair hanging you can be fined as much as $60. I personally think spinners, cell [...]
Posted: June 10, 2010, 5:49 pm

Florida Health Insurance

For Low Income Health Insurance in Florida we found The Florida KidCare to be a good place to start in your search for family health insurance. With programs like this you’ll be glad to know your children are covered at an affordable price. If you find your not eligible for this program you may want to compare quotes online to find the coverage you need at a price that falls within your budget.