Upcoming Change: Be aware that Florida lawmakers have passed legislation to repeal mandatory PIP, effective , moving the state toward a more fault-based system.
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Most standard homeowners' policies do not cover flood damage. Given Florida’s landscape, it is highly recommended to purchase a separate flood policy through the National Flood Insurance Program (NFIP) or a private insurer. 2. Strategies to Lower Premiums Upcoming Change: Be aware that Florida lawmakers have