Insurance FAQs for Florida Homeowners & Drivers
Get clear answers to the most common questions about homeowners, auto, flood, and umbrella insurance in Florida.
Homeowners Insurance FAQs
What does a Florida homeowners insurance policy typically cover?
A standard policy covers your dwelling, personal property, liability, and additional living expenses. It protects against damage from fire, windstorms, theft, and certain types of water damage. Flooding, however, is not covered.
Is hurricane damage covered by Florida homeowners insurance?
Yes, most policies include hurricane or windstorm coverage, but a separate hurricane deductible often applies. This deductible is typically a percentage of your home’s insured value.
Do I need separate flood insurance in Florida?
Yes. Flood damage is not included in standard homeowners policies. You need a separate policy through the National Flood Insurance Program (NFIP) or a private flood insurer. Explore flood insurance options.
What happens if my insurance company leaves Florida?
If an insurer like Farmers exits the market, Bridges Insurance Agency will help you find comparable coverage quickly. We’re committed to keeping our clients protected.
What’s the difference between landlord and homeowners insurance?
Landlord insurance covers rental properties, including the structure, liability, and loss of rental income. Homeowners insurance covers your primary residence and your belongings, not the tenant’s belongings.
How often should I review my home insurance policy?
At least once a year, or any time your situation changes — such as buying a new home, making major renovations, or changes in your household.
Learn more about homeowners coverage
Auto Insurance FAQs
What are the minimum auto insurance requirements in Florida?
Florida law requires Personal Injury Protection (PIP) and Property Damage Liability (PDL). We recommend adding Bodily Injury Liability, Uninsured Motorist (UM), and Comprehensive/Collision coverage.
Does car insurance cover hurricane damage?
Only if you have comprehensive coverage. It covers damage from flooding, falling objects, wind-driven debris, and more.
What if I’m hit by an uninsured driver in Florida?
If you carry Uninsured/Underinsured Motorist (UM/UIM) coverage, your policy can pay for injuries and damage. Florida has a high rate of uninsured drivers, so UM/UIM is strongly recommended.
View our auto insurance options
Flood & Hurricane Insurance FAQs
Who should consider flood insurance in Florida?
Everyone. Flooding can happen anywhere, not just in FEMA-designated flood zones. Many claims come from low-to-moderate risk areas.
Does flood insurance have a waiting period?
Yes. Don’t wait until a storm is forecasted — plan ahead to ensure coverage activates in time.
What is a hurricane deductible?
It’s a special deductible that applies only when your home is damaged by a hurricane. It’s often 2–5% of your insured value.
Specialty & Umbrella Insurance FAQs
Do I need boat insurance in Florida?
Marine insurance is not legally required, but it’s often required by marinas, lenders, or HOAs. It’s highly recommended to protect against theft, collisions, and storm damage. Learn more about marine insurance
What is umbrella insurance and who should get it?
Umbrella insurance adds extra liability protection beyond your auto or home policies. It’s ideal for high-net-worth individuals, landlords, and families with teen drivers.
Can I get umbrella insurance without home or auto coverage?
No. Most insurers require you to have certain minimum liability limits on home or auto policies before adding umbrella coverage. Explore umbrella insurance
Why do I need renters insurance?
Even if you don’t own the home, renters insurance protects your personal belongings and provides liability coverage. It’s affordable and highly recommended. Learn more about renters insurance
About Bridges Insurance
What makes Bridges Insurance different from other Florida agencies?
We offer fast quotes, clear answers, and real human support. We simplify the process, stay proactive, and guide our clients through every step with care.
Ready to Get Started?
Our local insurance experts are here to help you:
- Review your current policies
- Get fast, accurate quotes
- Understand your hurricane and flood risks
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We’re proud to serve Tallahassee and communities throughout Florida.