Practical, source-checked explanations of the Florida insurance rules that affect South Miami-Dade households: flood zones, Citizens requirements, hurricane season and more.
Flood insurance ·
The last phase of the Citizens flood mandate hits policies effective on or after January 1, 2027. Here is who is affected, what counts as proof and why South Miami-Dade homeowners should start now.
Read article →Homeowners insurance ·
A take-out letter from Citizens comes with a deadline, and doing nothing is a decision. Here is how the 20% rule works and what to compare before you accept.
Read article →Auto insurance ·
Most Florida drivers are not required to carry bodily injury liability. If one of them injures you, UM/UIM coverage on your own policy is what can pay. Here is how it works and how to check whether you have it.
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