Florida is a "no-fault" state. As of early 2026, drivers must carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).
While Florida law doesn't strictly mandate home insurance, most mortgage lenders will require it. A standard policy should cover your dwelling, personal property, and liability. insurance florida
With some of the highest premiums in the nation, Florida residents can use these methods to save: Homeowners Insurance Florida is a "no-fault" state