Florida Insurance Insights You Can Trust
Practical advice on commercial and personal insurance from a RamseyTrusted advisor. We simplify coverage decisions so you can protect what matters most.
The State of Florida Condo Insurance in 2026: What Board Members and Owners Need to Know
Florida's condo insurance market is finally showing signs of stabilization after years of crisis — but flood rates keep climbing, new laws are changing the game, and boards need to budget carefully. Here's the complete picture for 2026.
Directors & Officers Insurance for Condo Associations: Essential Endorsements Every Board Needs
D&O insurance protects condo board members from personal liability — but only if the policy has the right endorsements. Here are the critical additions every Florida condo association should demand.
Florida Commercial Insurance Rates in 2026: A Complete Guide for Business Owners
Florida's commercial insurance market is shifting in 2026. Property rates are stabilizing, liability is still firm, and workers' comp keeps dropping. Here's what every Florida business owner needs to know about their insurance costs this year.
Florida Workers' Comp Rates in 2026: What Employers Need to Know
Florida workers' compensation rates dropped 6.9% for 2026 — the ninth consecutive year of decreases. Here's what that means for your business, how rates are calculated, and how to make sure you're not overpaying.
How Much Does General Liability Insurance Cost in Florida? (2026 Rates)
General liability insurance in Florida costs $30–$85 per month for most small businesses. But your actual rate depends on your industry, revenue, and claims history. Here's a detailed breakdown with real numbers.
Hurricane Season 2026: What Every Florida Homeowner Needs to Know
Hurricane season runs June 1 through November 30. Here's what you need to check on your homeowners and flood insurance before the storms arrive.
Condo & HOA Insurance: What Board Members Need to Know in 2026
Florida's condo insurance market has changed dramatically. New legislation, rising costs, and carrier exits mean HOA boards need to be more strategic than ever about their insurance programs.
What Is an Independent Insurance Agent? Why It Matters for Your Wallet
Not all insurance agents are the same. Understanding the difference between captive and independent agents could save you hundreds — or even thousands — on your premiums.
Florida Auto Insurance: Understanding PIP, Bodily Injury, and What You Actually Need
Florida's auto insurance requirements are changing. Here's a clear breakdown of PIP, bodily injury liability, and the coverages Dave Ramsey recommends — plus how to avoid overpaying.