Who regulates homeowners insurance in Florida?

The Florida Office of Insurance Regulation (floir.com) regulates carrier rates, forms, and solvency. The Department of Financial Services assists consumers. File complaints at myfloridacfo.com.

What is Citizens Property Insurance in Florida?

Citizens Property Insurance Corporation (citizensfla.com) is Florida's state-backed insurer of last resort for homeowners who cannot find coverage in the private market. It is not always the cheapest option — compare private carriers first.

Does standard homeowners insurance cover hurricane damage in Florida?

Standard policies cover wind damage from hurricanes, but most Florida policies have a separate named-storm or hurricane deductible — commonly 2-5% of the dwelling coverage value rather than a flat dollar amount. Flood damage from storm surge is excluded and requires NFIP or private flood coverage.

Is flood insurance required in Florida?

Flood insurance is not required by Florida law, but federally backed lenders require it for properties in FEMA Special Flood Hazard Areas. Given Florida's geography, flood coverage is strongly advisable statewide.

How do I find out if my Florida insurer is financially stable?

Check the carrier's financial strength rating on A.M. Best (ambest.com) or Demotech (demotech.com), which rates Florida-specific carriers. The FLOIR's insurer search at floir.com also shows solvency status.

Homeowners Insurance in Florida

Florida's hurricane risk is the most severe in the continental US — all 67 counties are designated hurricane-vulnerable, and the state's property insurance market has been in crisis with multiple insurer insolvencies since 2020. Named-storm deductibles apply to most policies.

More Florida guides

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