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Consumer Helpline
1-877-MY-FL-CFO
(1-877-693-5236)
TDD line: 1-800-640-0886
Out of State: (850) 413-3089
Hours of operation:
8:00 am - 5:00 pm (EST)
Monday - Friday
Homeowners insurance helps pay to repair or rebuild your home and replace personal possessions lost due to theft, fire or other disasters such as storms. Although Florida law does not require homeowners insurance, some cities and counties require liability coverage if you own certain pets or a swimming pool. Liability coverage pays for non-automobile-related injuries to other people, or damage to their property, for which you are legally responsible.
For mortgaged homes, the lending institution will require full insurance coverage on the structure, including flood (if located in special zone), fire, liability, windstorm, etc. Some developments and subdivisions may also require insurance.
Homeowners insurance helps pay to repair or rebuild your home and replace personal possessions lost due to theft, fire or other disasters such as storms.
English 4.4MB
Spanish 4.5MB
Helping you make informed decisions when it comes to disasters. This toolkit provides helpful suggestions to prepare you for any type of claim that involves the largest investment you’ve made - your home.
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Spanish 1MB
During the home buying process many of us are faced with a barrage of terms and procedures we have never heard of, especially if we are first-time buyers. This publication is designed to help you understand the process.
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The Department of Financial Services stands ready to assist consumers who are having difficulty getting residential insurance claims resolved.
English 900k
Spanish 900k
Tie-downs can help prevent damage to your manufactured or mobile home during a storm. They can save you money on insurance, and they’re required by Florida law. Learn more from this publication.
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Spanish 190k
Creole 127k
Before you borrow, consider these questions to determine if a reverse mortgage is right for you.
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Spanish 728k
Sinkholes are an unpredictable part of the Florida landscape, especially in West Central Florida and the greater Tampa Bay area. Before you buy a home, make sure that you have these bases covered.
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The Neutral Evaluation Program provides a professional to determine the existence and scope of a sinkhole loss.
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Forms used for sinkhole claims:
The Department of Financial Services stands ready to assist consumers who are having difficulty getting commercial residential insurance claims resolved.
Forms used for commercial residential claims:
