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Consumer Guides

Property Coverage

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.

Property Resources

View Homeowners Insurance Guide

Homeowners Insurance Guide

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 2010

Spanish 4.5MB 2008

View Homeowners Financial Toolkit

Homeowners Financial Toolkit

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.

English 1MB

Spanish 1.5MB

View Title Insurance Guide

Title Insurance Guide

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.

English 457k 2008

View Residential Property Claim Disputes Guide

Mediation Program - Residential Property Claim Disputes Guide

The Department of Financial Services stands ready to assist consumers who are having difficulty getting residential insurance claims resolved.

English 900k 2009

Spanish 900k 2009

View Tie-Downs Rack Card

Tie-Downs Rack Card

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.

English 255k 2005

Spanish 190k 2005

Creole 127k 2005

View Reverse Mortgage Rack Card

Reverse Mortgage Rack Card

Before you borrow, consider these questions to determine if a reverse mortgage is right for you.

English 728k 2009

Spanish 728k 2009

View Sinkholes in FL Brochure

Sinkholes in Florida Brochure

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.

English 3.4MB 2008

Spanish 3.4MB 2009

View Settling Your Sinkhole Claim

Settling Your Sinkhole Claim Brochure

The Neutral Evaluation Program provides a professional to determine the existence and scope of a sinkhole loss.

English 586k 2008

Spanish 586k 2008

Forms used for sinkhole claims:

-Sinkhole Insurance Claims Request for Neutral Evaluation

-Neutral Evaluator's Report

Mediation Program - Commercial Residential Claim Disputes

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:

-Commercial Residential Mediation Request