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Florida · Where Elona helps

Insurance in Florida, explained.

Elona is based in Parkland and licensed across Florida. Here’s what’s different about insuring a car, a home and a life here.

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Florida does insurance its own way: no-fault car insurance, hurricane deductibles, and flood that isn’t part of a home policy. Knowing those three things puts you ahead of most people.

Same sunshine. Different rules.

What’s different about Florida

Four things that surprise people who move here, and a few who’ve lived here for years.

  • No-fault car insurance

    Your own policy pays your own injuries first, whoever caused the crash. That’s what PIP is for.

  • Hurricane deductibles

    Most home policies have a separate, often much bigger, deductible that applies to hurricane damage.

  • Flood is separate

    A standard home policy doesn’t cover flood. It’s its own policy, and it usually has a waiting period.

  • Your roof matters

    The age and shape of a roof, and how well a home stands up to wind, can shape what coverage costs.

Coverage for Florida

The policies Florida households ask Elona about most.

  • Auto

    PIP, property damage and the coverage the minimum leaves out.

    Auto coverage

  • Home

    Wind, hurricane deductibles and the roof questions carriers ask.

    Home coverage

  • Flood

    Usually not in your home policy. In Florida, that matters.

    Flood coverage

Where Elona helps in Florida

Elona is based in Parkland, in Broward County, and she’s licensed statewide. That means she can help wherever you live in Florida, by phone, email or text: from Parkland and the rest of South Florida to Tampa, Orlando and the Panhandle.

Local, and statewide. Meet in South Florida, or handle everything remotely. Your quote works the same way either way.

Florida, region by region

What’s different about insuring a home and a car in each part of the state, in plain English.

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Let’s make it make sense.

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