Insurance in Florida — independent agency licensed statewide
A partner, not just a policy — every option side-by-side, in plain language, and advice that costs you $0. Carriers pay us, not you.
Geneva Insurance Group is licensed by the Florida Department of Financial Services to write business across all 67 Florida counties. We compare A-rated carriers for Florida drivers, homeowners, and businesses — from Miami and South Florida through Tampa Bay, Orlando, Jacksonville, the Panhandle, Southwest Florida, and the Keys — tuned to the hurricane, flood, and litigation realities Florida risk profiles demand.
Coverage options
Florida Auto Insurance
Florida is a no-fault state: the legal minimum is $10,000 of personal injury protection (PIP) and $10,000 of property damage liability — and, unusually, bodily injury liability is not required for most drivers. That minimum leaves serious gaps, and Florida's share of uninsured drivers is among the highest in the country. We typically recommend adding bodily injury at 100/300, matching uninsured motorist coverage (which carriers must offer and can only be rejected in writing), and an umbrella where assets justify it.
Florida Homeowners Insurance
Florida homes face hurricanes on every coast, and policies here carry a separate percentage-based hurricane deductible (commonly 2%, 5%, or 10% of dwelling coverage) alongside the standard deductible. Roof age and construction credits (wind mitigation inspections) move premiums significantly. We size dwelling coverage to actual rebuild cost, structure the hurricane deductible deliberately, and place through admitted carriers, surplus lines, or Citizens where the standard market won't write the risk.
Florida Renters & Condo Insurance
Renters and condo (HO-6) policies in Florida typically run $15-$30/month, with condo coverage structured around what the association's master policy already covers. Required by most landlords in Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale.
Florida Commercial Insurance
Workers comp is mandatory in Florida at 4 or more employees for non-construction businesses — and at just 1 employee in construction. We write GL, commercial property, professional liability, commercial auto, and BOPs for Florida businesses across South Florida's trade and hospitality economy, the I-4 corridor, the ports, and coastal tourism markets.
Florida Life & Health Insurance
Term life, whole life, and individual health insurance for Florida residents through state-licensed carriers. Marketplace and off-exchange plans both available.
Florida Umbrella Insurance
Personal umbrella for Florida households — typically $250-$600/year for $1M of coverage. Particularly valuable in Florida's active litigation environment and for households with waterfront property, boats, or rental units.
Why clients choose Geneva Insurance Group
Licensed by the Florida DFS
Geneva is licensed through the Florida Department of Financial Services for personal and commercial lines statewide; carriers and rates are regulated by the Florida Office of Insurance Regulation (OIR). We follow Florida-specific rules under the Florida Insurance Code.
Citizens & the Private Market
Citizens Property Insurance Corporation is Florida's state-created insurer of last resort, and knowing when Citizens is genuinely the right placement — versus a private-market or surplus-lines alternative, including takeout offers during depopulation — is a Florida-specific skill. We navigate both sides so your coverage and premium reflect the whole market, not just the easiest quote.
Service Area: All 67 Florida Counties
Miami-Dade, Broward, Palm Beach, Hillsborough, Orange, Duval, Pinellas, Lee, Collier, Monroe, and the rest — South Florida to the Panhandle. Fully-remote model means your quote happens by phone, email, or video, wherever in Florida you are.
Frequently asked questions
What is the minimum auto insurance required in Florida?
Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Florida is a no-fault state — your own PIP pays your initial injury costs regardless of fault — and it is one of the few states that does not require bodily injury liability for most drivers. That minimum is dangerously thin: it provides no coverage for injuries you cause to others in most situations. We typically recommend adding bodily injury at 100/300 plus uninsured motorist coverage, which carriers must offer and you can only reject in writing.
What is Citizens Property Insurance?
Citizens Property Insurance Corporation is Florida's state-created insurer of last resort for property coverage when the private market won't write a risk at a comparable premium. Citizens has eligibility rules and coverage limits, and policyholders can receive takeout offers from private carriers during depopulation programs. We help you weigh Citizens against private-market and surplus-lines options — and evaluate takeout offers when they arrive — rather than defaulting into either.
How do hurricane deductibles work in Florida?
Florida homeowners policies carry a separate hurricane deductible that applies to damage from a declared hurricane, set as a percentage of your dwelling coverage — typically 2%, 5%, or 10%, with a flat $500 option on some policies. On a $400,000 home, a 5% hurricane deductible means the first $20,000 of hurricane damage is yours. The percentage you pick moves both your premium and your out-of-pocket exposure, so it deserves a deliberate decision, not a default.
Do I need flood insurance in Florida?
Homeowners policies exclude flood — including hurricane storm surge, which is a flood loss, not a wind loss. If your property is in a FEMA Special Flood Hazard Area your lender will require NFIP or private flood coverage, and recent storms have flooded plenty of Florida homes outside mapped high-risk zones. Given surge and rainfall-flooding exposure across the state, a flood quote is worth getting for almost any Florida property.
Is workers comp mandatory in Florida?
Yes — at 4 or more employees for non-construction businesses, at 1 or more employees in the construction industry, and at 6 regular / 12 seasonal workers in agriculture. The Florida Division of Workers' Compensation enforces this, and non-compliance can bring stop-work orders and steep penalties.