What is the new insurance law in Florida?
Asked by: Miss Jessyca Dare Sr. | Last update: April 16, 2026Score: 5/5 (4 votes)
Florida's recent insurance laws focus on property and auto reforms, including banning some Assignment of Benefits (AOB) clauses after late 2022, limiting bad faith lawsuits for policyholders until a court rules on the claim, and expanding mitigation discounts; meanwhile, auto insurers are returning profits due to reforms, with potential future shifts towards fault-based systems, all aiming to stabilize the market after years of turmoil.
What is the new law for auto insurance in Florida?
Florida is transitioning away from its mandatory Personal Injury Protection (PIP) system, with major changes enacted in 2025 (like HB 1181) moving toward a fault-based system requiring Bodily Injury Liability (BIL) coverage, aiming for full implementation by July 1, 2026, increasing minimum limits to $25k/$50k and shifting focus to BIL, though Property Damage Liability (PDL) at $10k remains required for all drivers. These reforms aim to lower costs, but drivers must understand the new mandates for liability coverage and potential changes to injury claims.
Why is Progressive giving back to Florida policyholders?
Progressive issued rebates to Florida policyholders because the company earned excess profits on personal auto insurance in the 2023-2025 period, exceeding limits set by Florida law, which mandates returning such profits to policyholders active on December 31, 2025, through credits or cash refunds in early 2026. These profits stemmed from lower claims costs and successful insurance reforms enacted in Florida, leading to strong profitability that triggered the statutory obligation.
What are the five new laws in Florida?
This is what you should know about the new laws in effect in Florida.
- SB 1808 - Faster medical refunds. ...
- HB 255 - "Dexter's Law," registering animal abuse. ...
- SB 158 - No more copayment for breast examinations. ...
- HB 655 - Pet insurance regulation. ...
- SB 944 - Reducing overpayment claims for psychologists.
What is Florida doing about homeowners insurance?
DAVIE, Fla.—Today, Governor Ron DeSantis announced significant statewide insurance rate relief for Florida homeowners, as Citizens Property Insurance policyholders across the state will see meaningful premium reductions beginning in Spring 2026 at policy renewal.
What is the New Insurance Law in Florida [What it means to Homeowners]
Is Florida becoming uninsurable?
The report, "Uninsurable: Florida's Home Insurance Collapse Signals National Trend," reveals that private insurers have largely abandoned Florida homeowners, concluding that large areas of the state are essentially uninsurable.
Why did my homeowners insurance double in 2025?
A few different factors, like the increase in severe natural disasters, rising material costs, and labor shortages, have caused home insurance rate increases across the U.S.
What is the new law in Florida September 2025?
New Florida laws effective September/October 2025 include landlord flood risk disclosures, increased penalties for animal abandonment (Trooper's Law), stricter DUI/fleeing law enforcement penalties, mandatory minimums for repeat sex offenders, age verification for adult websites, and condo association transparency rules. Key changes also involve social media rules for minors (HB 3) and updates to voter registration, alongside significant updates to real estate development rules (SB 180) post-emergency.
Can I refuse to show my ID in Florida?
In Florida, you generally must show ID if lawfully stopped by police for a traffic violation or reasonable suspicion of a crime, or else risk arrest for resisting an officer, especially as a driver (license required) or passenger in certain situations. Refusing to identify during a lawful stop can lead to misdemeanor charges (resisting without violence) under Florida's "Stop and Frisk Law". While you have the right to remain silent, providing biographical info (name, etc.) is generally required during a lawful detention for criminal investigation.
Is Florida proposing to eliminate property taxes?
Yes, Florida is proposing a plan, championed by Governor DeSantis, to phase out non-school property taxes for homesteaded properties, potentially by 2037, via a constitutional amendment requiring voter approval in 2026, but this aims to eliminate local taxes, not all property taxes, and faces debate over funding for local services. The proposal involves a significant annual increase to the homestead exemption, but city/county officials worry about funding police, fire, and schools.
Who is still insuring homes in Florida?
Despite many companies leaving or reducing coverage, several insurers still operate in Florida, including major players like State Farm, Chubb, USAA, Allstate, Liberty Mutual, and Nationwide, alongside significant Florida-focused carriers such as Universal Property & Casualty, Tower Hill, Florida Peninsula, HCI Group, and Heritage; however, the state-backed Citizens Property Insurance Corp. has grown substantially as a primary option for homeowners unable to find coverage in the private market.
How much should homeowners insurance be on a $400,000 house?
Homeowners insurance for a $400,000 house typically costs around $2,600 to $3,200 annually, averaging about $269 monthly, but rates vary significantly by location, with high-risk areas like Florida costing much more and low-risk states like Hawaii being cheaper, due to factors like severe weather, local crime rates, and rebuilding costs. Your specific premium depends on your ZIP code, chosen deductible, liability limits, and the insurer, so shopping around is key.
Which insurance company has the most complaints?
There isn't one single company with the absolute most complaints, as it varies by year, state, and insurance type (auto/home), but Allstate, Liberty Mutual, Farmers, and Progressive consistently appear among those with high complaint volumes, often related to claim handling, low offers, and denials, while smaller firms like American Bankers (home) and Essentia (auto) can also have high rates of complaints relative to their size.
Does car insurance go up at age 70 in Florida?
Senior car insurance rates may increase with age, especially after the age of 70. Insurance companies often associate aging with a higher risk of accidents.
What is the new law in Florida about roofs?
Florida's new roofing laws, driven by Senate Bill 4-D and HB 715, focus on insurance market stabilization by allowing insurers to non-renew policies for roofs over 15 years old unless certified to last 5 more years, while also allowing partial repairs for newer, code-compliant roofs instead of full replacements, and introducing new rules for contractor contracts and emergency cancellations. Key changes involve the 15-Year Rule (insurance non-renewal), the modified 25% Rule (allowing partial fixes for compliant roofs), and new requirements for contractor contracts and emergency cancellation rights.
Can someone drive my car if they are not on my insurance in Florida?
Most Florida auto insurance policies include coverage for permissive use. This means your policy will typically cover someone who is in an accident while driving your car, but only if they had your permission to use it.
What not to say to a cop when pulled over?
When pulled over, avoid admitting guilt ("I was speeding"), making excuses ("I only had two beers"), lying, arguing, or consenting to searches; instead, stay calm, be polite, provide documents, and clearly state your rights by saying, "I wish to remain silent" and "I want a lawyer" if detained or arrested, as anything you say can be used against you, notes Police1, Carter Criminal Defense, this YouTube video, and this YouTube video.
Do you have to roll your window down for police in Florida?
Not rolling down your window is not a violation of the statute; however, it can lead to other charges. For example, you could face other charges like resisting an officer without violence or obstruction of justice. These charges fall under Florida Statute 843.02.
Why are people leaving Florida in 2025?
People are leaving Florida in 2025 primarily due to soaring costs, especially housing and insurance, making it unaffordable despite its warm climate and tax benefits, alongside worsening overcrowding, traffic, and increased hurricane/weather stress, which diminishes the quality of life and financial stability for many residents.
Can you refuse to show ID to police in Florida?
In Florida, you generally must provide your identification if lawfully detained by police on reasonable suspicion of a crime or during a traffic stop (driver's license), but you can refuse during a casual, consensual encounter and can remain silent, though refusing to identify during a lawful stop can lead to charges like resisting an officer. You don't have to consent to searches, and if you're a passenger in a vehicle, identification might still be requested for officer safety, with refusal potentially escalating the situation.
Did they pass the 65% law in Florida?
No. This remains a nefarious myth / urban legend / wishful thinking. As of today, everyone in FL still must serve a minimum of 85% of their sentence, period.
How much is homeowners insurance on a $400,000 house?
Homeowners insurance for a $400,000 house typically costs around $2,600 to $3,200 annually, averaging about $269 monthly, but rates vary significantly by location, with high-risk areas like Florida costing much more and low-risk states like Hawaii being cheaper, due to factors like severe weather, local crime rates, and rebuilding costs. Your specific premium depends on your ZIP code, chosen deductible, liability limits, and the insurer, so shopping around is key.
What is the 80% rule in homeowners insurance?
The 80% rule in homeowners insurance requires you to insure your home for at least 80% of its total replacement cost to receive full coverage for partial losses, preventing significant out-of-pocket costs from underinsurance; if you don't meet the threshold, your payout is reduced proportionally, forcing you to cover a larger share of the repairs. It's crucial to calculate your home's true rebuilding cost (materials, labor) and adjust coverage accordingly, especially after renovations, to avoid penalties and ensure you can actually rebuild your home.
What is one way to lower your premiums on your home insurance?
Raise your deductible.
If you can afford to pay more toward a loss that occurs, your premiums will be lower. Also, avoid making claims for losses of less than $1,000.