Protect your paycheck, your home and your family
A few things can take a family's money fast: a crash with a driver who has no insurance, a lawsuit, or a death or disability. Pick a topic below. Each guide uses plain words, simple pictures and real Florida cases.
Choose a topic
Tap a tab to see the short version. Each one links to a full guide.
Car insurance: when the other driver has no insurance
- Florida doesn't require drivers to carry insurance for injuries they cause. About 1 in 5 Florida drivers was uninsured in 2023.
- Your PIP pays $10,000 at most, for medical bills and lost pay together.
- Uninsured motorist coverage (UM) on your own policy can pay what the other driver should have paid, up to your limit.
Home insurance: when a guest gets hurt
- Home liability limits are often $100,000 to $300,000. A bigger claim can fall on you.
- Florida was #2 in the U.S. for dog-bite claims in 2025.
- A pool, a dog, wet steps: three everyday ways a claim starts.
Life insurance: when the paycheck stops for good
- 47% of U.S. adults say they would struggle to pay living expenses within 6 months of losing the main earner.
- Life insurance can pay off the mortgage, replace income and help pay for the kids' education.
- Coverage through work is a start, but it is usually tied to the job.
Umbrella & wealth protection: when the claim is bigger than the limit
- A real Florida case: a $100,000 policy and an $8.47 million judgment.
- An umbrella adds an extra layer on top of your car and home liability.
- Wealth protection covers three risks: lawsuits, death and lost income.
Why we wrote this
We are a family-owned agency in Florida City, with a team of 12 who speak English, Spanish and Russian. After working with more than 5,000 Florida clients, we've learned that the hardest moments come from gaps nobody explained before a crash, a lawsuit or a funeral.
These guides explain those gaps in plain words. When you are ready, send us your policy and we'll check your coverage. A licensed agent calls you back within 1 hour during business hours, and you keep a personal agent who helps you at claim time.
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Frequently asked questions
What is this guide?
A free set of plain-language pages about the coverage gaps that hurt Florida families the most: uninsured drivers, home liability, life insurance and umbrella coverage.
Which coverage should I look at first?
If you drive, start with uninsured motorist coverage. If you have kids or a mortgage, look at life insurance. If you own a home or have savings, look at your liability limits and an umbrella.
Are the stories real?
Stories marked "Example" are made up to explain the idea. Items marked "Real case" come from public Florida court records, and we link to each one.
Can you check my current policy?
Yes. Send us your policy and we'll check your coverage. A photo of the first page is enough to start.
Do you speak Spanish and Russian?
Yes. Our team of 12 speaks English, Spanish and Russian.
Not sure where your gaps are? Let's look together.
Send us your policy and we'll check your coverage. We call back within 1 hour during business hours (Mon–Fri 9–6, Saturday by appointment).
Send us your policy and we'll check your coverage →📄 Send us your policy – we'll check your coverage
A photo of the first page (declarations page) is enough.
M&K Agency · 33550 S Dixie Hwy, Suite 102, Florida City, FL 33034 · Mon–Fri 9–6, Saturday by appointment · Florida license #L109526
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These pages are general information, not legal advice and not policy language. What is covered depends on your policy, its limits and its exclusions. Examples are illustrative; real cases come from public records. No one can promise how a claim will turn out.
Sources
Facts on this page were checked against these sources on October 3, 2026.
- Insurance Information Institute: Facts + Statistics, Uninsured motorists (Insurance Research Council estimates, 2023)
- Florida Department of Highway Safety and Motor Vehicles: Insurance requirements
- Florida Statutes, section 627.736 (PIP benefits)
- Insurance Information Institute: Spotlight on dog bite liability (2025 data)
- LIMRA and Life Happens: 2026 Insurance Barometer, Facts About Life Insurance (PDF)
- Florida Supreme Court, opinion in case SC17-85 (Sept. 20, 2018) (PDF)