Insurance in Florida: State Rules and Requirements

Insurance in Florida

The rules that shape car, home and business insurance in Florida, each linked to its official source, and how to get coverage shopped here. Sam Alishahi holds a Florida nonresident insurance producer license (#G394782, NPN 21022298) and places Florida policies directly.

By Sam Alishahi · Reviewed November 2026

Car insurance in Florida

Minimum car insuranceTo register a car, Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Bodily injury liability is not required to register, but after certain crashes involving injuries a driver must show bodily injury liability of $10,000 per person and $20,000 per crash. Uninsured motorist coverage is optional. Source
Fault systemFlorida is a no-fault state: your own PIP pays 80 percent of reasonable medical costs up to $10,000 no matter who caused the crash, and you can sue the other driver only for serious injuries. Bills to repeal PIP died in the 2025 and 2026 sessions, so the no-fault law remains in effect. Source

Business insurance rules in Florida

Workers’ compensationFlorida construction employers need workers' comp once they have one employee, and other employers once they have four or more. Corporate officers and LLC members who own the business count toward those numbers. The state is not monopolistic. Source
Contractor licensingThe Construction Industry Licensing Board, part of the Department of Business and Professional Regulation, certifies and registers contractors. To get or renew a license, a contractor must swear that it carries workers' comp, public liability and property damage insurance in the amounts the board sets. Source

Home insurance in Florida

Home insurer of last resortCitizens Property Insurance Corporation is Florida's state-created insurer of last resort for homeowners. Hurricane wind is the main catastrophe exposure, and insurers must offer hurricane deductibles of $500, 2 percent, 5 percent and 10 percent of the dwelling limit. Source

High-value homes in Florida.

Disasters, floods, hail, tornadoes and earthquakes in Florida

Florida disasters, floods, hail, tornadoes and earthquakes, from federal records
Measure	Florida	Rank among the states	Detail
Federal major disaster declarations since 2000	41	#13 (tied) of 51	Most often for hurricane (23), severe storm (14), coastal storm (1). Jefferson County has been in 20 of them.
National Flood Insurance Program claims, 2005–2025	258,204	#2 of 51	$16.5 billion paid; 13% of claims with a known flood zone were outside FEMA’s high-risk zones.
Homes in high-risk flood zones with a federal flood policy	57%	#4 of 50	566,635 policies for 997,127 homes in the counties FEMA can measure; US: 40%.
Hail reports, 2016–2025	900	#29 of 51	42 of them 2 inches or larger. Largest stone 3 inches, St. Johns County, April 2018.
Tornadoes, 2016–2025	527	#9 of 51	44 rated EF2 or stronger; 3,762 recorded since 1950.
Earthquakes of magnitude 4.0+, 2000–2025	1	#28 of 51	Largest: magnitude 4, 171 km E of Cape Canaveral, Florida, February 8, 2024.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Look up the storm history of any county in Florida.

The property risks that matter in Florida

Florida's My Safe Florida Home program has offered free wind mitigation inspections and grants, and wind mitigation reports can lower windstorm premiums.

Wind from tropical storms is the defining property risk along the Florida coast. Ask whether your policy uses a named-storm deductible, how it is triggered, and whether roof upgrades or shutters earn a mitigation credit.

Standard homeowners and renters policies exclude flood. In Florida, flood coverage comes from the National Flood Insurance Program (NFIP) or a private flood insurer, and NFIP policies generally carry a 30-day waiting period, so buy before storm season. Check your address on FEMA's Flood Map Service Center.

Florida insurers must cover catastrophic ground cover collapse, but broader sinkhole coverage is optional and may cost extra. Ask whether your policy includes it.

Worth knowing in Florida

Florida doesn't require bodily injury liability to register a car; drivers must carry $10,000 in PIP and $10,000 in property damage liability instead. Homeowners choose a percentage hurricane deductible separate from the regular deductible.

Before your next Florida renewal

Compare your auto liability limits with the Florida minimum of PIP $10,000 + property damage liability $10,000 and with your actual assets.
Find your hurricane or named-storm deductible in dollars and set aside that amount.
Check your address on FEMA's Flood Map Service Center and price an NFIP or private flood policy before storm season (NFIP usually has a 30-day wait).
Ask whether your policy covers sinkhole loss beyond catastrophic ground cover collapse.
Condo owners: compare your HO-6 loss assessment limit with the HOA master deductible.

Florida’s insurance regulator

Insurers in Florida are regulated by the Florida Office of Insurance Regulation; agents are licensed, and consumer complaints are handled, by the Department of Financial Services (1-877-693-5236).

Sam Alishahi holds a Florida nonresident insurance producer license (#G394782, NPN 21022298) and places Florida policies directly.

Common questions

What is the minimum car insurance in Florida?

To register a car, Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Bodily injury liability is not required to register, but after certain crashes involving injuries a driver must show bodily injury liability of $10,000 per person and $20,000 per crash. Uninsured motorist coverage is optional.

Is Florida a no-fault state?

Florida is a no-fault state: your own PIP pays 80 percent of reasonable medical costs up to $10,000 no matter who caused the crash, and you can sue the other driver only for serious injuries. Bills to repeal PIP died in the 2025 and 2026 sessions, so the no-fault law remains in effect.

Do employers in Florida need workers’ comp?

Florida construction employers need workers' comp once they have one employee, and other employers once they have four or more. Corporate officers and LLC members who own the business count toward those numbers. The state is not monopolistic.

What can a Florida homeowner do if no insurer will write the house?

Citizens Property Insurance Corporation is Florida's state-created insurer of last resort for homeowners. Hurricane wind is the main catastrophe exposure, and insurers must offer hurricane deductibles of $500, 2 percent, 5 percent and 10 percent of the dwelling limit.

Does Florida homeowners insurance cover hurricanes?

Wind damage from hurricanes is generally covered, often subject to a separate hurricane deductible. Storm-surge flooding requires flood insurance.

Do I need flood insurance in Florida?

If you're in a high-risk flood zone with a federally backed mortgage, your lender will require it. Elsewhere it's optional but worth pricing, because homeowners policies exclude flood.

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Tell me what you need insured.

Home, car, business, trucks or something harder to place. One request, and I take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

Insurance in Florida