Quick Answer
Florida is a no-fault state with required PIP coverage. Hurricane season (June-November) makes proper renters insurance critical. Flood insurance is separate from standard policies - essential for coastal areas near Key West and Mayport.
Florida Navy Bases
✈️
NAS Jacksonville
P-8 Poseidon community
✈️
NAS Pensacola
Aviation training headquarters
🔑
NAS Key West
Southern-most base, highest storm risk
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Naval Station Mayport
Surface warfare, destroyer squadrons
Florida Auto Insurance: No-Fault State
| Coverage Type | Florida Requirement | Recommended |
|---|---|---|
| PIP (No-Fault) | $10,000 REQUIRED | $10,000 |
| Property Damage Liability | $10,000 | $100,000+ |
| Bodily Injury Liability | Not required | Strongly recommended |
| Uninsured Motorist | Optional | Essential (26% uninsured) |
Hurricane Season and Renters Insurance
Florida's hurricane season runs June 1 - November 30. Key insurance actions for Florida sailors:
- Purchase renters insurance BEFORE hurricane season - some insurers won't bind policies when storms are forecast
- Verify wind coverage is included (most standard policies cover wind, not flood)
- Flood insurance: Separate NFIP policy required - especially for Key West and Mayport coastal areas
- Create a home inventory before storm season - photos of all belongings for claims
- Key West: Among the highest flood and wind risk for any Navy base in the US
Florida-Specific Tips
- Sinkhole risk: Central Florida has sinkhole exposure. Ask your insurer about sinkhole endorsements.
- Uninsured motorist critical: Florida has one of the highest rates of uninsured drivers (26%+). UM coverage is essential.
- Assignment of Benefits (AOB) law: Florida recently reformed AOB laws for property claims - affects how contractors can bill your insurer after storm damage
- TRICARE in Florida: Strong civilian network for TRICARE Select near Jax and Pensacola