Florida Insurance Insights You Can Trust
Practical advice on commercial and personal insurance from a RamseyTrusted advisor. We simplify coverage decisions so you can protect what matters most.
How Much Is Homeowners Insurance in Florida? The Surprising 2026 Reality
Florida homeowners insurance is stabilizing for the first time in over a decade. Discover the average cost by county, why Citizens is cutting rates by 8.7%, and 3 steps to force a rate cut on your 2026 renewal.
2026 Florida Medical Malpractice Rates by Specialty: Top 20 List
Compare the latest 2026 Florida medical malpractice premiums for the top 20 specialties. Learn how Nuclear Verdicts and AI diagnostic tools are shifting Florida rates.
The Florida Boat Insurance Survival Guide: Navigating the 2026 Premium Crisis
Is boat insurance required in Florida? From SB 606 rental laws to the "Quad Engine" premium spike, learn how to secure your vessel and lower your 2026 rates.
Does the HOA Cover Exterior Walls and Roofs? The Townhome Maintenance Boundary Decoded
The gray area of townhome maintenance decoded. Learn the difference between fee-simple and condo-style townhouses, 2026 Florida law updates, and who pays for a new roof.
Does Commercial Property Insurance Cover Hurricanes in Florida? The 2026 Reality Check
Standard Florida commercial property insurance covers wind damage from hurricanes but excludes flood and storm surge. Learn about the wind vs. flood gap, hurricane deductible buy-backs, SB 1028's new Citizens clearinghouse, and the three coverage pillars every Florida business needs before the 2026 hurricane season.
July 1, 2026: The Florida PIP Sunset Guide — Everything You Need to Change on Your Policy Today
Starting July 1, 2026, Florida eliminates PIP and requires all drivers to carry Bodily Injury liability at 25/50/10 minimums. Here is what changes, what it costs, and the 3 steps every driver should take before their next renewal.
Graduating to a Yacht: Why Your 38'+ Vessel Needs a Captain's Resume in 2026
Standard marine carriers cap at 35-38 feet. Cross that line and you enter luxury yacht underwriting — a specialty market that requires a Marine Operator Resume documenting your boating experience. Learn the 38-foot rule, Agreed Value vs. ACV math, P&I coverage gaps, and how to build your resume.
SIRS Compliance or Non-Renewal? The 2026 Board Member's Guide to Structural Reserves
Florida condo boards can no longer waive SIRS reserve funding as of January 1, 2026. Learn what the 8 mandatory components are, why Citizens Property Insurance will not cover non-compliant buildings, and the 3 steps your board should take this week.
The Citizens Exit Guide: What to Do When a Private Carrier Takes Out Your Policy
Received a Citizens depopulation letter? Learn the 20% rule, how to vet your new Florida carrier, and the 2026 steps to protect your home and premium.