Insurance Florida 💎

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).

Upcoming Change: Be aware that Florida lawmakers have passed legislation to repeal mandatory PIP, effective , moving the state toward a more fault-based system. insurance florida

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. Florida is a "no-fault" state