Florida Insurance
(Quotes, Cost & Coverage)

Need Auto, Renters or Home Insurance?

Request A Quote



Looking for Florida insurance? EK Insurance makes it easy to get a FL insurance quote for your auto, home, business, motorcyle, boat, ATV, jewelry, valuables & more.

Florida Insurance Coverage

Florida Insurance

When shopping for Florida insurance for your autos, home, business, belongings and life, it's important to understand the risks you and your family face and discuss them with your agent. It is your agent's job to find and present you with quotes that fit your lifestyle and budget. In the end, it's you who has to make the final decision on the type of Florida insurance that will best meet your needs.

While you might only be looking for home or car insurance, it's important to understand what other types of Florida insurance coverages are available. This way, at least you will be aware of the coverages that might be helpful in protecting your income and assets.

Types Of Florida Insurance

Florida insurance helps protect individuals, families & businesses from potential losses they couldn't afford to pay out of pocket and makes it possible to legally drive a car and get a mortgage to own a home without risking financial destruction (like if your house burnt down). Florida lines insurance can be broken down into three main categories:

Florida Life Insurance

Florida Life Insurance

A FL life insurance policy is a contract with an insurance company. In exchange for your premium payments, the insurance company provides a one time payment, known as a death benefit, to beneficiaries upon the insured's death.

If anyone like your spouse, children or parents relies on your income, you should have Florida life insurance. If no one would suffer financially if you passed, then you don't need life insurance. Following are some of the most common types of life insurance:


Florida Life Insurance

Florida Car Insurance

Florida Car Insurance

If you cause an auto accident that injures someone or damages their property, Florida car insurance can help pay for the other person's losses and/or damages. If you were found at fault, you can be held responsible for costs associated with the accident. These may include; legal fees, the hurt person's medical expenses or their lost income compensation. Without liability coverage (or adequate liability limits), you would likely have to pay these costs out of your own pocket.

Following are some of the most common FL auto insurance coverages:


Florida Car Insurance

Florida Homeowners Insurance

Florida Homeowners Insurance

Homeowners insurance offers coverages that may help pay to repair or replace your home or belongings if they are damaged by certain perils, like fire, hail or theft. It can also help cover costs if someone who does not live with you is injured at your home.

While there are many endorsements you can add on to your FL homeowners policy, following are some of the most common coverages:


Florida Homeowners Insurance

Florida Flood Insurance

Florida Flood Insurance

Flood insurance covers physical damage to your property and belongings from flood-related losses. Homeowners insurance typically doesn't cover flooding - where groundwater rises up and floods your home. If you're in an area that has a high flood risk, you should have flood insurance. Your mortgage lender might require you to buy it if you're in a flood zone.

The National Flood Insurance Program (NFIP) recommends flood insurance because situations that cause flooding like; heavy rain, melting snow and severe coastal weather can happen all over. Flood insurance covers your home and your possessions inside, subject to certain limits.

Florida Flood Insurance

Florida Renters Insurance

Florida Renters Insurance

Renters insurance is an affordable way to cover your belongings and protect yourself from if someone not living with you is injured while in your apartment.

Your landlord's insurance does not cover your belongings - that is on you. Your landlord insures the building but not your property inside. Following are some of the things renters insurance covers:



Florida Renters Insurance

Florida Condo Insurance

Florida Condo Insurance

Condominium insurance insures your Florida property and any parts of your unit that aren't covered by your HOA's insurance policy. Your condo association could have one of three types of policies: one that insures only the primary building and common areas; one that insures your building and any items in your unit other than Florida property or one that insures the building, your unit, and any fixtures or improvements you make to your unit.

You will need to know which they have so you can purchase the right coverage. Following are some of the things FL condo insurance can cover:

Florida Condo Insurance

Florida Umbrella Insurance

Florida Umbrella Insurance

Florida umbrella insurance helps protect you from large liability claims and judgments. Umbrella provides excess liability coverage above the limits of your homeowners, auto, and boat insurance policies.

It kicks in when the liability on these other policies has been exhausted.

Common claims covered are bodily injury, property damage, and it can also provide coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rental units you own.

Florida Umbrella Insurance

Florida Disability Insurance

Florida Disability Insurance

Disability insurance offers coverage that can help pay your rent, loans, mortgage, and other expenses. Many people are surprised to learn that social security disability benefits are not available if you are expected to be out of work for less than a year.

If you are totally disabled due to sickness or injury & are unable to work, it can also help you from dipping into your retirement plan or education savings. While most people think that disabilities are caused by accidents, the majority of disability claims are due to an illness.

Experts agree that when insurance budgets are tight, it usually makes sense to buy enough disability insurance to cover mortgage or rent payments so you can remain in your home.

Florida Disability Insurance

Florida Long-Term Care Insurance

Florida Long-Term Care Insurance

Long-term care insurance is coverage to help pay for the medical and other care of people with chronic illnesses, disabilities or other conditions that need care daily, for an extended period of time.

The type of help needed can range from assistance with simple activities, referred to as activities of daily living (ADLs), like as bathing, dressing and eating, to skilled care that's provided by nurses, doctors, therapists or other professionals.

There are many policy options to choose from and FL long-term care insurance can help you pay for the care you need, whether you are living at home or in an assisted living facility or nursing home.

Florida Long-Term Care Insurance

Florida Motorcycle Insurance

Florida Motorcycle Insurance

There are different types of motorcycle insurance coverage options based on your needs, including collision, comprehensive, and bodily injury, along with replacement cost, rental reimbursement, roadside assistance, optional & special equipment coverage, and others.

There is also protection for different types of bikes from manufacturers such as Harley-Davidson, Honda, Indian, and more, and including models such as Cruisers, Touring, Dirt and Sport Bikes.

On some policies you can add coverage for most of the personal property you carry on your bike if it's damaged or stolen. This includes camping gear, clothing and even your cell phone.

Florida Motorcycle Insurance

Florida ATV Insurance

Florida ATV Insurance

ATV insurance works like auto insurance in some ways. Because riding ATVs can be risky for the riders, passengers and others - ATV insurance is designed to help cover the costs associated with an accident or theft.

This coverage recover financially so that the cost of repairs, injuries and even lawsuits ae covered by the insurance company.

Many states require ATV insurance for vehicles operated on land owned by the State. Your homeowners policy might not cover your ATV if you ride it off your own property.

Florida ATV Insurance

Florida Boat Insurance

Florida Boat Insurance

Boat insurance helps protect you against the risks of owning an operating a watercraft, its motor and trailer. Also FL boat insurance also offers liability protection for lawsuits and medical payments.

Common watercraft covered are; Sport Boats, Cruisers, Yachts, Sailboats, Bass Boats, Jet Skis, Houseboats, Kayaks & Canoes.

There are two main types of boat insurance coverage:

Florida Boat Insurance

Florida Jewelry & Valuables Insurance

Florida Jewelry & Valuables Insurance

Most homeowners policies can limit coverage or coverage amounts based on the type of item and cause of loss.

Valuable items coverage can provide more for your valuable possessions in the event of covered loss from, for example, theft or fire.

Following are some items that can you can get 'floater' or increased amounts of coverage on, beyond the limits of your homeowners policy:

Florida Jewelry & Valuables Insurance

Florida Department of Insurance

Whether you are looking to purchase Florida insurance or simply trying to understand the insurance you currently have, the FL Division of Financial Regulation can provide guidance and help you make the right decision for your situation. Questions about your health insurance? Get in a car wreck? Was your home damaged by fire? Or a neighbors tree? They have a dedicated team of consumer advocates who are there to help, free of charge. Read more at the Florida Division of Financial Regulation.

The Florida Department of Insurance can be reached at 1-888-877-4894 and their main office is located:

Insurance Terms & Definitions

For help on understanding insurance terms and definitions, you can also check out these glossaries:

FL Insurance Quotes

FL Insurance

Request a Florida Insurance quote in Boca Raton, Boynton Beach, Bradenton, Cape Coral, Clearwater, Coconut Creek, Coral Gables, Coral Springs, Davie, Daytona Beach, Deerfield Beach, Delray Beach, Deltona, Fort Lauderdale, Fort Myers, Gainesville, Hialeah, Hollywood, Homestead, Jacksonville, Jupiter, Kissimmee, Lakeland, Largo, Lauderhill, Margate, Melbourne, Miami Beach, Miami Gardens, Miami, Miramar, North Miami, North Port, Ocala, Orlando, Palm Bay, Palm Beach Gardens, Palm Coast, Pembroke Pines, Pensacola, Pinellas Park, Plantation, Pompano Beach, Port Orange, Port St. Lucie, Sanford, Sarasota, St. Petersburg, Sunrise, Tallahassee, Tamarac, Tampa, Wellington, West Palm Beach, Weston and all other cities in FL.


If you are looking for state specific insurance quotes, costs and information: California Insurance, Colorado Insurance, Delaware Insurance, Florida Insurance Illinois Insurance, Kentucky Insurance, New Jersey Insurance, New York Insurance, Oregon Insurance, Pennsylvania Insurance, Texas Insurance, Washington Insurance.

Want A Personal Insurance Quote?

Request A Quote

Contact EK Insurance to discuss how much personal insurance costs.