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The Monarch Risk Learning Center

Florida insurance is genuinely different — no-fault auto rules, percentage hurricane deductibles, roof-age underwriting and a flood market that sits outside your homeowners policy entirely. These guides explain how it all fits together, in plain English, from an independent agency serving Southwest Florida.

Most of our clients start with their car policy: explore Florida auto insurance coverage.

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Browse by topic

Nine topics, one place to start

Each topic collects the guides that answer the questions we hear most from Florida households.

Auto Insurance

PIP, liability limits, uninsured motorist coverage and what Florida law leaves out.

All 3 auto insurance guides

Homeowners Insurance

Hurricane deductibles, roof age, wind mitigation credits and replacement cost.

2 guides

Renters Insurance

What your landlord's policy doesn't cover, and how much protection you actually need.

2 guides

Florida Insurance Tips

Wind mitigation credits, hurricane season prep and the local mistakes that cost the most.

2 guides

Buying a Home

Inspections, binders, closing timelines and the insurance questions to ask before you offer.

2 guides

Saving Money

Discounts, deductibles, bundling and re-shopping — without stripping out coverage you need.

2 guides

Claims

What to do in the first hours, how to document damage, and the deadlines that matter.

2 guides

Moving to Florida

Deadlines, license and registration rules, and the coverage differences that surprise new residents.

2 guides

Insurance Basics

Deductibles, limits, premiums and how independent agencies actually work.

2 guides

Start here

The guides Florida households read first

Auto

Florida PIP insurance explained: what the $10,000 actually covers

Personal Injury Protection is the centerpiece of Florida's no-fault system — and the most misunderstood coverage on the policy.

6 min read
Auto

Did Florida repeal PIP? The 2026 status

Florida has tried to repeal its no-fault law several times. As of the 2026 session, PIP is still required. Here is the full history with official sources.

6 min read
Auto

How much car insurance do I need in Florida?

The legal minimum and the right amount are two very different numbers in Florida. Here's how to close the gap.

6 min read
Homeowners

Your Florida hurricane deductible, explained

It's a percentage, not a flat amount — and on a $500,000 home the difference between 2% and 5% is $15,000.

5 min read
Homeowners

Roof age and Florida home insurance: why it decides your rate

No single factor moves a Florida home insurance quote further than the age and condition of the roof.

6 min read
Renters

What renters insurance covers in Florida

The landlord's policy insures the building. Everything inside your unit — and everything you're liable for — is yours.

5 min read

Reading is useful. A real quote is better.

Tell us about your home, your vehicles or your rental and we'll compare options from multiple carriers across Southwest Florida — no cost, no obligation.

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