Compare Insurance Quotes with All Counties Insurance Agency & Traffic School
Florida has several unique characteristics and state-specific laws that affect your home and auto insurance coverage. Our goal at All Counties Insurance Agency & Traffic School is here to help you understand the variety of coverage options available to you, while keeping in mind legal requirements and limitations.
Florida Auto Insurance Overview
Like every other state, Florida requires drivers to have a minimum of liability car insurance in order to operate a vehicle. Florida is one of 12 states that has no-fault insurance laws, and one of five with verbal thresholds. A January 2014 report by the state's Office of Insurance Regulation noted a decrease in personal injury protection (PIP) rates, which has led to lower insurance rates for most Florida drivers. However, the state's no-fault designation is constantly under threat of reform, which could have a dramatic effect on Florida drivers.
Florida Home Insurance Overview
Because Florida is prone to hurricanes, tropical storms, and other natural disasters, homeowners in the state face higher risks for loss and damage. Mortgage lenders typically require homeowners' insurance as part of the mortgage terms, though it is not legally required of homeowners. Since most home insurance policies do not include flood insurance, mortgage lenders may also require this coverage for coastal homes and other high-risk residences.
A standard homeowners' insurance policy is divided into the following parts:
- Coverage A: Dwelling
- Coverage B: Other Structures
- Coverage C: Personal Property
- Coverage D: Loss of Use/Additional Living Expenses
- Coverage E: Personal Liability
- Coverage F: Medical Payments to Others
- Additional Coverage
To compare rates and discover which insurance provider offers the best coverage for your needs, we encourage you to use our personalized, comprehensive tool available right on our site. For any questions or assistance, don't hesitate to contact All Counties Insurance Agency & Traffic School to receive one-on-one feedback and advice regarding all of your insurance needs.