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Florida Car Insurance Options

Florida has mandatory minimums for the amount of personal injury and property damage coverage you must purchase if you want to operate a motor vehicle in the state. Almost all Florida car insurance companies offer many other types and amounts of optional coverage you can add to your policy to make driving more worry-free.

What Other Coverage Can I Get?

Here’s a list of the types of optional coverage you can get for Florida car insurance from

  • Collision: If you’re involved in a motor vehicle accident, this coverage will pay for damage to your car. Your mandatory insurance will only pay for damages to someone else’s property.
  • Comprehensive: True to its name, comprehensive insurance covers a wide range of damage to your car that is not the result of an automobile accident. Things like broken glass or vandalism are covered by comprehensive coverage. Comprehensive coverage does not pay for maintenance or repairs due to normal wear and tear on your vehicle, however.
  • Uninsured or underinsured motorist: If you are involved in an accident with another motorist who is not insured, or whose insurance is insufficient to cover the types and amounts of losses you have suffered, this coverage will pay the difference up to the amount of your policy.
  • Towing and labor: When you’re involved in an accident that results in your car being disabled, this coverage will pay for the tow truck to get your auto to the repair shop, including charges for the operator of the tow truck.
  • Rental car coverage: If your car is disabled for a substantial period of time due to a covered accident, this will pay for the cost of a comparable rental vehicle until your car is repaired or replaced.

Florida law only requires personal injury and property damage policies with very low minimum coverage to allow you to drive a car; however, if you borrow money to finance the purchase of your car, your bank will almost certainly require you to cover your car for collision and comprehensive to get your loan according to

Additional Coverage For Florida Car Insurance

The purpose of no-fault car insurance is to make sure that insurance companies don’t have to sue one another after an accident to determine who will pay a claim. If blame had to be assigned to one party in a car accident, your claim could be held up indefinitely while law enforcement, the courts, and insurers determine who was at fault and in what proportion.

No-fault auto insurance laws order that insurers pay their own customers after an accident or other loss without delay. However, it is possible for another person to sue you after an accident to try to recover additional money, usually in the case of a death or severe injury or a large property loss. That’s where Bodily Injury Liability insurance comes in.

Optional Bodily Injury Insurance

A Bodily Injury Liability rider on your policy will protect your from having to pay judgments against you if you’re sued after an accident and found to be at fault. This liability insurance pays damages to the victims of the crash up to the limit of your policy, and can even pay for a lawyer to represent you during any court proceedings against you.

Other Mandatory Coverage You Might Have To Purchase

Your driving history can affect the amount and kinds of coverage that Florida requires you to carry to drive. If you’ve had your driver’s license suspended for traffic violations, your license is suspended more than once, or you have a history of car accidents that cause property damage, the state can require you to purchase Bodily Injury coverage in order to drive. According to, convictions for driving while under the influence of alcohol or drugs can also trigger a requirement for additional insurance. What are you waiting for? Get Florida car insurance today.

The Different Types of Florida Insurance

As a resident of Florida, you may be considering purchasing insurance for one or more areas of your life.  Whether you are covered in one aspect but are not covered in another, it is important to be aware of the different types of insurance offered in Florida.  Insurance not only helps to protect yourself, your family members, and your possessions, it also provides ease of mind.  You will want to ensure that you research the policies that would be the best insurance Florida offers.

Life Insurance

Life insurance is a type of coverage that provides you with the opportunity to provide funding to your beneficiaries after your death.  When signing up for life insurance, you will need to assign specific family members and/or friends who will become your beneficiaries.  The funds that your beneficiaries receive can help to pay for funeral expenses or expenses that they will experience in the future.  The majority of the life insurance in FL requires premium payments on an annual, quarterly, or monthly schedule.  If you purchase life insurance, you or your beneficiaries will receive payment in the event of:

  • Premature Death
  • Retirement
  • Illness

Car/Auto Insurance

Another type of Florida insurance is car insurance.  The majority of drivers are aware of how automobile insurance can benefit them, but Florida is one of the states with the highest number of uninsured drivers.  With the help of motor insurance, you will be covered in the event of accidents or theft.  The majority of Florida auto insurance quotes include three main types of motor insurance: third party, comprehensive coverage, and fire and theft.  If you are the owner of a vehicle, it is imperative that you ensure that you are sufficiently covered by your automotive insurance policy.

Homeowner Insurance

As a resident of Florida, you will want to ensure that your home is covered in the event of a disaster such as a flood or a fire.  Homeowners insurance in FL ensures that your house is protected regardless of the damage that is incurred to it.  As one of the largest financial investments that you will ever make in your adult life, it is imperative that you select a homeowners insurance policy that will sufficiently cover your house and the belongings within it.  One of the largest benefits associated with purchasing a homeowners policy is that you will have the opportunity to customize it to fit your every need.

Travel Insurance

Traveling is a popular event that many people in Florida partake in on a regular basis.  While you’re traveling, it is important that your safety and your belongings are covered, regardless of where you are traveling to.  Travel insurance provides customers with the opportunity to be protected in the event of:

  • Personal accidents
  • Losing your passport
  • Delayed baggage
  • Travel delays
  • Losing your luggage
  • Hijacking
  • Medical-related expenses

As you can see, there are various types of Florida insurance available to residents in order to ensure that you are sufficiently protected in every area of your life.  The next step is to find the insurance that you want and find a policy that fits you perfectly.

Residential and Flood Protection from UPC Insurance

Natural disasters and residential catastrophes can happen at any given time, which is why it is imperative that you find the perfect company to provide you with lasting insurance.  UPC Insurance from uses independent insurance agents to provide residential property and flood insurance to clients to residents of Florida, Texas, Massachusetts, Rhode Island, South Carolina, and North Carolina.  With the opportunity to be covered in the event of a residential emergency, the benefits are relatively endless.

Coverage by State

As previously mentioned, UPC Insurance provides coverage to residents in specific states throughout the continental U.S.  Depending on where you live, the available coverage plans will differ as different states require different types of insurance plans.  As an example, the state of Texas can acquire coverage in the following categories: homeowners insurance, renters insurance, condominium owners insurance, and flood insurance.  Whereas clients in Florida will have coverage in the aforementioned categories plus dwelling fire insurance.  It is imperative that you visit their website and determine what insurance coverage you can have based on your region.

Different Components in Insurance Policies

UPC Insurance aims to provide clients with different features that help them to customize plants to best suit their personal needs.  If you find that you require a certain type of insurance but not another type of insurance, you can opt out of specific policies.  Some of the components in the insurance policies include:

  • Dwelling, liability, loss of use, and personal property coverage
  • Allows you to tailor the program to fit your specific needs
  • Packages that increase coverage on different features in your policy
  • Special condominium insurance packages

With the potential to customize your insurance plan, you can rest assured that you won’t be paying for a policy that covers aspects of your life that don’t require coverage.  You will be paying for the coverage that you need.

UPC Insurance Special Coverage Packages

Alongside traditional homeowner insurance and flood insurance, UPC Insurance provides special coverage packages to their clients.  These packages ensure that you are sufficiently protected in most areas and have been proven to be quite advantageous for many enrolled clients.  Some of the special coverage packages include:

  • Identity Theft
  • Water Loss
  • Equipment Breakdown

Teaching You about Insurance

One of the most important factors to look for when searching for insurance is a company that will teach you about your coverage and what you will be paying for.  UPC Insurance ensures that their independent agents educate clients on the different types of insurance and how to maximize the benefits provided from their offered policies.  As a homeowner, it is important that you understand the risks that you take on once you purchase property and with the help of UPC insurance, they will give you the necessary tools to manage the risks.

UPC Insurance is a renowned insurance provider that helps many individuals with their managing their insurance policies.  With the ability to acquire help from an independent insurance advisor from UPC Insurance, you will know what type of coverage you need and how to maximize the efficiency of your policy.