Florida insurance, explained by line of coverage
In-depth guides from a Boca Raton independent agency writing Florida coverage since 1993 โ no gated downloads, no email required.
Long-form references we keep current. Start here if you're trying to understand your coverage, not just price it.
Home Insurance
What drives premiums in Boca Raton, how hurricane deductibles work in dollars, roof-age rules under current Florida law, and 4-point and wind mitigation inspections.
Read the guideFlood Insurance
Flood zones explained in plain English, NFIP versus private market compared side by side, coverage limits, waiting periods, and why homeowners insurance pays none of it.
Read the guideCar Insurance
Why Florida's legal minimum leaves most drivers exposed, what PIP actually covers, and why uninsured motorist coverage matters more here than in most states.
Read the guideWe're building these out next. Check back, or ask us directly if you need the answer sooner.
Motorcycle Insurance
Florida's helmet and PIP rules for riders, and what changes when you add a bike to an existing policy.
Umbrella Insurance
How excess liability layers over your home and auto policies, and who in Boca Raton actually needs it.
Boat Insurance
Agreed value versus actual cash value, hurricane haul-out requirements, and Intracoastal-specific coverage gaps.
Business Insurance
General liability, commercial property, and BOP basics for Boca Raton's independent business owners.
RV Insurance
Full-timer versus part-timer coverage, and how RV policies differ from a standard auto policy.
- FEMA Flood Map Service Center โ the official flood zone determination for your address.
- Florida DFS, Division of Consumer Services โ complaints and agent license lookup.
- Citizens Property Insurance Corporation โ Florida's insurer of last resort.
- Florida Office of Insurance Regulation โ rate filings and company information.
- Cronin claims directory โ direct claims numbers for every carrier we write.
Still have a question?
We'd rather answer it than have you guess. Independent agency in Boca Raton, 30+ carriers, no obligation.
Contact us Call (561) 479-1898The guides on this site provide general information about Florida insurance. They are not quotes, offers of coverage, or legal advice. Coverage, eligibility, and pricing vary by carrier, policy form, and individual circumstance, and Florida insurance law changes frequently. Cronin Insurance Agency, Boca Raton, FL.