When people move to Florida from another state, they often wonder whether they can keep their current insurance provider—and more importantly, whether doing so is the best financial and coverage decision. The short answer is: it depends on the provider, the type of insurance, and how well it matches Florida’s unique insurance market conditions. This article will look at the insurance facts you need to understand to obtain the best possible coverage for your needs.
Can You Keep Your Current Insurance Provider?
In many cases, yes—you can stay with the same national insurance company after moving to Florida, but you’ll usually need to switch to a Florida-specific policy. Insurance is regulated at the state level, and premiums and coverage options vary widely. If you have auto, home, or health insurance through a national company, they may offer coverage in Florida, but the pricing, deductibles, and terms will likely differ due to the state’s risk profile.
However, some regional or state-specific providers from your previous state may not operate in Florida at all, so you’ll be required to switch providers when you move.
Is Keeping the Same Provider the Best Option?
Not always.
While it can be convenient to stick with a familiar insurer, it’s not necessarily the most cost-effective or comprehensive choice after relocating to Florida. Insurance premiums in Florida can be significantly higher than in other states, particularly for homeowners insurance, due to factors like hurricane risk, flood exposure, and litigation trends. As a result, some national carriers either don’t offer competitive rates in Florida or have reduced their presence in the state altogether.
That’s where Florida-specific or Florida-savvy providers come into play. These companies better understand the regional risks, regulatory requirements, and market dynamics, and often offer more tailored and competitively priced policies for new residents. Shopping around with local insurance expertise can result in significant savings and better coverage.
Anderson Insurance Group Understands These Insurance Facts
A trusted local agency like Anderson Insurance Group becomes an incredibly valuable resource when you move to the Palmetto and Sarasota area. Based in Florida and deeply familiar with the state’s complex insurance landscape, Anderson Insurance Group can:
- Compare quotes from multiple Florida-approved insurance carriers
- Evaluate your current coverage and identify gaps or unnecessary costs
- Customize your policy to reflect Florida-specific risks (e.g., hurricane deductibles, flood zones)
- Advise on bundling options for home, auto, flood, and umbrella policies
- Guide you through state-specific requirements, such as mandatory PIP (Personal Injury Protection) for auto insurance or Citizens Property Insurance limitations
More importantly, Anderson Insurance Group is an independent agency—not tied to any one provider—which means they work for you, not the insurance companies. They can help you determine whether sticking with your current carrier makes sense or if switching to a Florida-based policy would offer better protection or lower premiums.
Moving to Florida doesn’t necessarily mean you have to leave your insurance company behind, but it’s rarely as simple as keeping your old policy. Because Florida has unique insurance needs and market challenges, working with a knowledgeable local agency like Anderson Insurance Group ensures you’re not overpaying or underinsured. They make the transition smooth, help you navigate the fine print, and find the right coverage for your new Florida life.
Are you moving to Florida and need the straight-up insurance facts? Call Anderson & Associates Insurance Group today. Our team has provided informed assistance to thousands of Florida home and business leaders for decades, and we are here to help you.
We invite you to browse our website, then call us for a personal consultation.
