Browsing: Florida Insurance Quotes

How to get started with finding affordable Florida health insurance

When it comes to health insurance, there are many options available around the state (read Florida)! But, in order to get the cream of Florida Health Insurance, one must be aware about the facts and figures of the same. In this article, we are going to discuss in brief about the various aspects about the health insurance options available in Florida and how to get started with the finding of affordable Florida health insurance with maximum coverage and benefits.

Surprising Florida health insurance facts:

Despite being one of the largest states of the United States and known by the name of the Sunshine state, according to, over 20% of individuals in the state are without health insurance which is well above the national average of 18% according to a recent research study conducted. What makes the scenario even worse is the increasing unemployment rate in Florida and inability to access the COBRA (US Govt’s continuation of health coverage for the retired person and for the currently unemployed by their previous employers).

Need for Florida Health Insurance.

This is one of the biggest concerns when it comes to the increasing number of uninsured individuals in the state of Florida. Most of the younger lot thinks that they don’t need health insurance and hence does not bother.

But, it is to be remembered that more than 30 % otherwise healthy individuals are rushed into emergency annually in US for accidents and unforeseen ailments. Medical treatment is damn costly in US as we all know and being uninsured makes the matter even more grave.

Health Insurance providers in Florida particularly provides the insured members with a much lower medical services rates and also protects their cause when it comes to medical treatment. Those who are without Florida health insurance ends up paying hefty medical bills not only for themselves but also for their family members.

Hence, in the public interest, having a mandatory health insurance coverage must be made mandatory.

Affordable Florida Health Insurance

Despite increasing unemployment and low salaried jobs in Florida, it is not known to many that the state offers various cheap and affordable health insurance coverages with great benefits and covering area.

And most surprisingly, most of the formalities for getting a Florida health insurance can be done online and in a hassle freeway. Florida offers both public and private health insurance options in a very low budget.

Another surprising fact about Florida Health insurance is that the Florida State Govt. provides low cost and very much affordable health care coverage for individuals within certain income group.

As long as one is within the criteria, he or she is entitled to be medically covered by the State Govt. Though the health insurance is certainly the best one, but better than having none.

How to find affordable Florida Health insurance

  1. For people without a job or low income coupled with some other criteria, Florida state Govt provides cheap and affordable health insurance. They usually operates through the official website of the Florida State Govt.
  1. Florida operates in Health insurance open marketplace, thus offering numerous options to choose from. There are various authorized websites from which you can get quotes and can finally decide on your Florida health insurance.
  1. In order to land up with the most advantageous health coverage in an affordable price, it is highly recommended to get and compare the quotes from various insurance providers while keeping in mind the range of services they are offering. 

The ultimate choice of Florida health insurance will depend on the most services with the lowest price. But, this is not the case always. Before zeroing in on any plan, always do your own research regarding the provider’s feedback and past performances as a health insurance provider. This type of information is accessible at Do not delay insuring yourself and your family members.

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What is the average cost of home insurance in Miami?

Did you just buy a home here in Miami? Are you aware that the costs that come along with buying a home are pretty intense? In fact, home insurance in Miami is quite expensive. Southern Florida residents experience double the cost of the national average when it comes to rates. While the national average is around $900, FL residents will pay $2,000. So why is it so expensive? Keep reading below.

Risk of Natural Disasters

The risk of natural disasters remain high here in southern Florida. Due to this factor alone, rates will be higher than usual. In addition, claims regarding sinkholes have also increased. Sinkholes are more common here in Southern Florida than in any other state in the US. This too has caused home insurance in Miami to increase.

Crime Rate

Unfortunately Miami has the highest violent crime rates in the nation. This is another negative factor when it comes to rates.

In addition, factors such as the age and location of your home can also affect your premium.  The location of your home can actually significantly affect your insurance premium.

A quality Miami home insurance policy will consist of these things:

Replacement cost coverage for your dwelling and personal belongings.

Protection for other structures such as garages, fences, and sheds.

Loss of use coverage if you need relocate to a new home temporarily.

Personal liability covers you in case someone gets injured inside of your home.

Medical payments coverage will pay for any medical expenses that arise if someone becomes hurt or injured while on your property.

Living in Miami should also make you consider hurricane coverage as well. Luckily this is included in a standard Miami home insurance policy. Also consider flood and sinkhole coverage, which is not included in a standard policy.

If your home has a mortgage you will be required to purchase southern Florida home insurance from You should definitely price shop for your coverage as you shop for your home. It can really help you determine how much to budget for your home expenses.

Another factor to remember is that you can’t purchase a policy during a hurricane. Insurers will usually suspend selling policies up to 24 hours before a hurricane and a few days after a hurricane has passed.  Do not hesitate when it comes to home insurance in southern Florida. Especially if you are trying to shop during hurricane season.

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Can You Drive a car without Florida auto insurance?

Florida auto insurance is a basic requirement for responsible car ownership, and  it’s almost impossible to legally drive a vehicle on the roads of the United States without having auto insurance on your vehicle already.

This kind of coverage not only protects you and your vehicle but also protects other drivers and any lenders that may have made it possible for you to get your hands on the car you’re driving, too.

Obviously, you’ll want to do everything you can to make sure that your auto insurance in Florida is offering plenty of protection without breaking your bank account into tiny little pieces. According to, most folks can get away without having to pay for full coverage auto insurance under some certain circumstances. However, you’ll want to know exactly what you’re getting into before you decide to go down that road, no pun intended!

Do I actually need full FL auto insurance in the first place?

If you have taken out a loan to purchase your vehicle, or if you do not own your vehicle outright already, the odds are VERY good that you are going to be legally mandated to carry full coverage car insurance without any exceptions whatsoever.

Full coverage insurance is designed to protect that vehicle from headlights to taillights and everything in between, not only protecting you as well as any passengers or other motorists but also protecting the lender that has put up their money up front so that you could purchase this car in the first place.

If I own my car free and clear do I need full coverage?

If you have already paid off your car loan, or if you paid cash upfront for your vehicle, you do not need to carry full auto insurance in FL – though it may be advantageous to.

Once you are the sole owner of your vehicle, you’ll be able to decide just how much protection from you are paying for and whether or not full coverage makes that much sense in the first place.

Some people decide to slash their insurance dramatically by collecting Florida auto insurance quotes, and it’s easy to see why (you can save a boatload of money), but others decide to cut back on their insurance just a bit to save money without crippling their protection at the same time.

At the end of the day, you’ll have to think about your financial situation, the amount of money you would have to have in order to replace your car or repair your car out of pocket, and exactly how much money your insurance company is looking to get full coverage before you make any decision at all.

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Do I need Florida motorcycle insurance?

Florida is the best place to own and drive a motorcycle.  In fact it is second when it comes to the number of registered motorcycle drivers. While, motorcycle insurance is not required to register a motorcycle here in Florida, you will be responsible for damages sustained during an accident. Do you really have enough money to pay for that out of pocket?

So liability insurance coverage is voluntary not mandatory unless you are in an accident and are at fault. However it is recommended that you purchase Florida motorcycle insurance for your own protection.

Do I have to wear a helmet if I have insurance coverage?

Any motorcyclists over the age of 16 are not required to wear helmets by law according to Even though this is not a requirement why would you not wear a helmet? A helmet is for your protection and can easily save your life. If you do purchase coverage, and are in a wreck where you had no helmet on, good luck trying to get your company to pay out. Most companies will fight and deny paying because you could’ve avoided personal injury by wearing a helmet in the first place.

Florida is a no fault state, once an accident occurs, motorists will handle all medical claims with their own insurer, no matter who is considered at fault for the accident.

Florida actually doesn’t require that much motorcycle insurance. Instead of any specific coverage, drivers will need to meet a limit when it comes to injuries. You will need to purchase at least $10,000 in medical benefits but this can be from your health coverage.

What’s the recommended coverage for FL motorcycle insurance?

Even though you aren’t required to purchase liability insurance in Florida, it’s recommended that you purchase it. If you are in an accident, have a DUI, or involved in some other type of incident you don’t have it, you will lose your license and other penalties.

It is definitely recommended that you purchase Motorcycle insurance in Florida with :

$10,000 bodily injury protection per person

$20,000 bodily injury per incident

$10,000 property damage liability coverage

You can also decide to purchase additional coverages at For example, new motorcycle protection, trip interruption coverage, collision coverage, comprehensive coverage, and towing and labor. If you think you may need any of these, you should definitely purchase. Its not a crime to be covered, even in the event that you don’t have to be. Don’t be crazy and drive a motorcycle with no coverage. Shop for your motorcycle insurance in Florida today!

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