Insurance resources for Florida policyholders.
Guides, deadlines, checklists and definitions to help you understand your coverage before you buy and when you need to use it.
Short reads on the rules and deadlines that affect coverage in Hillsborough County.
Home and flood
Citizens flood insurance requirement: what changes on January 1, 2027
Every Citizens home policy with wind coverage will need a flood policy, whatever the home is worth. Here is how to prepare.
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Auto
Florida car insurance minimums: what $10,000 of PIP leaves out
The coverage you need to register a car in Florida does not pay for injuries you cause to anyone else.
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Home and flood
Hurricane deductibles and wind mitigation credits explained
A 2% hurricane deductible on a $350,000 home is $7,000. Here is how the deductible works and how an inspection can cut your premium.
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Tools and help
Find what you need.
Reference pages you can use on your own, before or after you speak to us.
Insurance glossary
Policy terms explained in a sentence or two, grouped by type of insurance.
Open the glossaryQuote checklists
What to have ready for each kind of quote, for hurricane season and after a loss.
See the checklistsKey dates
Enrollment windows, storm season and the deadlines that follow a life event.
View the calendarReport a claim
What to do first, the time limits in Florida and where to report with your insurer.
How to reportOfficial websites
Government and regulator sites for flood maps, health plans, Medicare and licenses.
See the linksCommon questions
Answers about working with an agency and about each type of coverage.
Read the answers
Key dates
Coming up on the calendar.
October 15 to December 7
Medicare annual enrollment
Review or change a Medicare Advantage or Part D plan for January 1.
November 1 to January 15
Health plan open enrollment
Enroll by December 15 for Marketplace coverage that starts January 1.
January 1, 2027
Citizens flood requirement
Every Citizens home policy with wind coverage must carry flood insurance.
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