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
Answers to common Florida insurance questions about auto, homeowners, renters, bundling, and quote comparison.
What auto insurance is required in Florida?
Florida drivers generally need Personal Injury Protection and Property Damage Liability at registration, with minimums commonly listed by FLHSMV as $10,000 PIP and $10,000 PDL.
What is PIP in Florida?
PIP stands for Personal Injury Protection and may help pay certain covered medical expenses after an accident, regardless of fault.
What is PDL in Florida?
Property Damage Liability may help pay for damage you cause to someone else's property in a covered accident.
Are quotes free?
Yes. Requesting quote options through Insurtty does not require you to buy a policy.
Does full coverage have one definition?
No. Full coverage is a common phrase, but actual policies vary by carrier, limits, and optional coverage.
Is uninsured motorist coverage required?
A licensed agent can explain availability and whether it fits your situation. Requirements and recommendations vary by policy.
Does homeowners insurance cover hurricanes?
Coverage depends on the policy, deductibles, exclusions, and carrier rules. Review windstorm and hurricane deductible language carefully.
Is flood insurance separate?
Flood insurance is commonly separate from standard homeowners coverage.
Does renters insurance cover my belongings?
Renters insurance may help protect belongings after covered losses, subject to limits and exclusions.
Can I bundle renters and auto?
Many shoppers can compare auto and renters bundle options.
Can I switch insurance companies mid-policy?
Often yes, but review cancellation terms, refunds, fees, and replacement coverage timing before switching.
Do I need proof of insurance in Florida?
Drivers generally need proof of insurance for registration and when requested by authorities.
How do I lower insurance costs?
Compare quote options, review deductibles and limits, ask about discounts, and keep coverage information accurate.
Does credit affect insurance?
Some rating factors may include insurance score or credit-related information where allowed by law and carrier rules.
Should I compare every renewal?
It is smart to compare at renewal or after major changes such as moving, buying a car, or updating your home.
Are final prices shown online?
No. Final pricing depends on carrier underwriting, eligibility, application details, and selected coverage.
Can a licensed agent contact me?
Yes. Submitting the quote funnel allows Insurtty or partners to contact you about insurance options.
Does bundling always save money?
No. Bundling may help, but separate policies can sometimes be more competitive.
What affects Florida home insurance?
Roof age, construction, wind mitigation, location, claims, coverage limits, deductibles, and flood exposure can all matter.
What affects renters insurance?
Location, coverage limits, deductibles, belongings value, liability limits, and selected endorsements can affect cost.
Can I compare home and auto together?
Yes. Comparing both together may reveal bundle options or better separate carrier choices.
What is a hurricane deductible?
It is a deductible that may apply to covered hurricane losses and may be calculated differently than a standard deductible.
Is landlord insurance enough for renters?
No. A landlord policy usually protects the building owner, not the renter's belongings or personal liability.
What is liability coverage?
Liability coverage may help protect you if you are responsible for injuries or property damage to others.
Where can I start a quote?
You can start at the quote page and choose auto, homeowners, renters, or bundle insurance.