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Personal insurance · Florida

Personal insurance in Florida

Auto, home, renters, condo, flood, and umbrella coverage written for Florida law and shopped across multiple carriers.

Florida households insure against a very different set of risks: hurricane and windstorm exposure that drives separate deductibles, one of the most expensive auto markets in the country, a no-fault PIP system, and flood zones that reach well inland. Every guide below is written specifically for Florida and shopped across the carriers we represent.

Common questions

Why is insurance more expensive in Florida?
Florida combines catastrophe exposure, heavy litigation, and a high share of uninsured drivers. Because carriers weigh these very differently, comparison shopping across multiple insurers is the most reliable way to control your cost.

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Talk to a licensed Maru advisor in Washington or Florida. No pressure, no call-center scripts — just clear options and honest pricing.