How can we help?
How can I lower my auto insurance rates?
You can lower rates by bundling policies, increasing your deductible, maintaining a clean driving record, asking about low-mileage discounts, and regularly comparing rates from multiple carriers using our platform.
What is full coverage?
Full coverage generally refers to a policy that includes Liability, Collision, and Comprehensive. It is usually required if you have an auto loan.
Is flood insurance included in homeowners policies?
No, standard homeowners policies do not cover flooding. You must purchase a separate flood insurance policy, typically through the National Flood Insurance Program.
What determines the cost of my home insurance?
Factors include your home's age, roof condition, location, construction type, claims history, and your credit score.
Is your service really free?
Yes. Our platform is completely free for consumers to use. We earn a commission from the insurance company if you choose to purchase a policy through our network.
Will checking my rates affect my credit score?
No. Insurance companies use a soft pull on your credit to determine insurance scores. This does not affect your FICO credit score.
Florida Insurance FAQ
What car insurance is required in Florida?
Florida drivers generally need Personal Injury Protection and Property Damage Liability for many registered vehicles. FLHSMV lists common minimums of $10,000 PIP and $10,000 PDL. Always confirm current requirements with the state or a licensed agent.
What is PIP insurance in Florida?
PIP stands for Personal Injury Protection. It may help pay covered medical expenses and certain other benefits after an accident, subject to policy terms and Florida law.
What is PDL insurance?
Property Damage Liability helps pay for damage you cause to another person's property with your vehicle, up to the policy limit.
Is full coverage required in Florida?
Full coverage is not a legal term and is not always required by law. Lenders may require comprehensive and collision if a vehicle is financed or leased.
What does uninsured motorist coverage do?
Uninsured motorist coverage may help protect you if an at-fault driver has no insurance or not enough insurance, subject to policy terms.
Are Florida auto insurance quotes free?
Yes. Insurtty lets consumers request quote options without paying a fee.
Can I switch auto insurance before renewal?
Often yes, but you should avoid coverage gaps and confirm cancellation, refund, and lender requirements before switching.
Do I need proof of insurance in Florida?
Florida drivers generally need proof of required insurance for registration and when requested by authorities.
Why is Florida homeowners insurance expensive?
Storm exposure, roof costs, litigation trends, reinsurance costs, water damage, and local claim history can all affect Florida home insurance premiums.
What is a hurricane deductible?
A hurricane deductible is a separate deductible that may apply to hurricane losses. It is often a percentage of the dwelling limit rather than a flat dollar amount.
Does homeowners insurance cover flood damage?
Standard homeowners insurance usually does not cover flood damage from rising water. Separate flood insurance may be needed.
What is windstorm coverage?
Windstorm coverage addresses certain wind-related losses, subject to policy terms, exclusions, and deductibles.
Can roof age affect home insurance?
Yes. Roof age, material, condition, permits, and inspection documentation may affect eligibility and pricing.
How can I lower my Florida home insurance premium?
Compare carriers, review wind mitigation credits, update roof information, choose deductibles carefully, install protective devices, and consider bundling when it makes sense.
Is renters insurance required in Florida?
Florida law may not require every renter to carry it, but landlords and apartment communities can require it in a lease.
What does renters insurance cover?
Renters insurance commonly covers personal property, liability, and loss of use after covered losses.
Does renters insurance cover my roommate?
Usually not unless the roommate is listed or otherwise qualifies under the policy. Review the policy with an agent.
Does renters insurance cover flood?
Standard renters insurance usually does not cover flood damage from rising water. Separate flood coverage may be needed.
Can I bundle renters and auto insurance?
Yes, many carriers offer auto plus renters bundle options and possible multi-policy discounts.
Can I bundle home and auto insurance in Florida?
Yes, many households compare home and auto bundles, but savings and eligibility vary by carrier and risk profile.
Does bundling guarantee savings?
No. Bundling may lower the total cost, but separate policies can sometimes be more competitive. Compare both.
How do I compare insurance quotes fairly?
Use the same limits, deductibles, drivers, vehicles, property details, and coverage choices across each quote.
Will checking quotes affect my credit score?
Insurance quote activity may involve insurance scoring depending on carrier practices, but it is generally different from applying for credit. Ask the carrier or agent for details.
Is Insurtty an insurance carrier?
No. Insurtty helps consumers request quote options and connect with licensed insurance agents or partners.
How quickly will someone contact me?
After you submit the quote form, a licensed insurance agent or partner may contact you shortly to review available options.
Can I cancel an insurance policy anytime?
Policies can often be canceled, but cancellation rules, refunds, lender requirements, and replacement coverage timing should be reviewed first.