Yes. Homeowners Insurance is a required coverage by every mortgage lender. Your Brokers Insurance Group Agent will determine your coverage needs based on the current rebuilding value of your property using a state of the art electronic replacement cost estimator. Brokers Insurance Group specializes in insurance for all types of homes, condominiums, single or multiple family dwellings and apartments. Since home closings are our specialty, we can help you through this process rapidly and efficiently while providing you with competitively priced coverage for your property. If you have a refinance or closing coming up, fill in the form below and we will help you make this a positive experience.

Yes. Flood insurance is a required coverage by every mortgage lender when a home is located in a special flood hazard area. Your Brokers Insurance Group agent will perform a flood zone determination and provide you with a report advising you if your property is located in a high risk or low risk flood zone.

Yes. Windstorm insurance is a required coverage by every mortgage lender for properties in the Florida wind pool area (generally east of I-95 in Broward, Dade, and Palm Beach County). The property eligibility for windstorm coverage is determined by your Brokers Insurance Group agent using Citizens qualification software.

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I am registering a vehicle for the first time in Florida. Is automobile insurance mandatory?

Yes. If you own a vehicle with at least four wheels and are registering it, you must have insurance. What type of insurance is required to purchase and maintain a Florida tag and registration? Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag, even if the vehicle is in another state or inoperative. There are no exemptions in the law. However, if you have been involved in a crash, or been convicted of certain offenses, you may be required to purchase bodily injury liability coverage (BIL).

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What is "Personal Injury Protection" insurance (PIP)?

PIP is coverage that will compensate a loss due to injury regardless of who is charged with causing the crash. PIP applies to bodily injury to you, relatives who live in your home and passengers who are not required to have PIP, as well as licensed drivers who drive your vehicle with your permission. PIP insurance also protects you if you are injured as a pedestrian or bicyclist as long as the injury is caused by an accident involving a motor vehicle.

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What is “Bodily Injury Liability" insurance (BIL)?

Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause an accident involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else's vehicle. It may also cover others who drive your automobile with your permission. This coverage also provides you with legal defense in the event you are sued by the injured party.

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What is "Property Damage Liability" insurance (PDL)?

This coverage pays for damages you or members of your family cause (and are liable for) to other people's property in a crash involving a motor vehicle.

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Can I maintain my current policy issued in my previous state of residence?

No. The minimum required insurance must be issued through a Florida agent with an insurance company licensed to sell in Florida. Most insurers have Florida agents and are licensed to issue policies in Florida. If your carrier is a national carrier and you are able to transfer, that is recommended; otherwise you are required to obtain a new Florida policy.

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What if I fail to keep insurance on my vehicle that I’ve registered in Florida?

The Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle tag and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.

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If my driving privilege is suspended because I am not properly insured, is there a penalty to reinstate my license?

Yes. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.

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I live outside Florida for six months a year. When not in Florida, my vehicle sits in storage, unused. Must I maintain automobile insurance?

Yes. Any vehicle holding a valid Florida tag and registration must be covered by a Florida insurance policy throughout the entire registration period. When you leave Florida, you may surrender your tag and registration at the nearest driver license or tag office to avoid maintaining your policy. You can always register your vehicle upon your return to Florida, at which time you can provide proof of Florida insurance.

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I am not a resident of Florida but I have business that keeps me in Florida sometimes for several months at a time. Must I comply with Florida's insurance laws?

Yes. Any person who has a vehicle in Florida for more than 90 days during a 365-day period must purchase personal injury protection and property damage liability insurance coverage. The 90 days do not have to be consecutive.

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I own multiple vehicles. Some are not used for different reasons, but the county I live in requires that the vehicles remain registered. Must I maintain insurance coverage on these vehicles?

Yes. Insurance coverage must be maintained throughout the entire vehicle registration period.

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What can I do to avoid a driving privilege suspension when I choose not to insure a vehicle?

To avoid a driving privilege suspension, surrender the vehicle's tag and registration at any driver license or tag office, prior to canceling your insurance policy. Driving of this vehicle must cease.

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If my driving privilege is suspended for no insurance, will I be granted a temporary driver license for working purposes?

No. There is no provision in Florida's motor vehicle insurance laws for the issuance of any sort of temporary or restricted driver license for financial responsibility suspensions.

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I am self-employed as a taxi driver and the only vehicle I own is used as a taxicab. Must I carry automobile insurance?

No. Vehicles used as taxicabs and limousines are exempt from the mandatory personal injury protection and property damage liability insurance coverage. However, if you cause a crash, and you do not have full coverage including bodily injury liability at the time of the crash, you must purchase insurance with full liability coverage and meet other requirements.

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