Frequently Asked Questions (FAQ)

Q: How much does auto insurance cost in Florida?

A: Rates vary based on your vehicle, driving history, and coverage needs. At MLR Insurance Group, we provide instant quotes so you can compare personalized options in minutes.

Q: Is auto insurance required in Florida?

A: Yes. Florida law requires minimum Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage. Many drivers choose additional coverage for better protection.

Q: Does homeowners insurance in Florida cover hurricanes?

A: Most policies include windstorm coverage but may require a separate hurricane deductible. We also recommend flood insurance, since flooding is not covered by standard home insurance.

Q: What does a standard home insurance policy cover?

A: Typical coverage includes your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable.

Q: What type of insurance do I need for my business in Florida?

A: Most businesses benefit from a Commercial General Liability policy. Depending on your operation, you may also need Property Insurance, Commercial Auto, Workers’ Compensation, or a Business Owner’s Policy (BOP).

Q: Do small businesses need insurance?

A: Absolutely. Even small businesses face risks such as accidents, property damage, or lawsuits. A Business Owner’s Policy (BOP) is often the best starting point.

Q: Do I need flood insurance if I don’t live in a flood zone?

A: Yes. Flooding can happen anywhere in Florida due to heavy rain or storms. Many homeowners outside high-risk zones still experience flood damage each year.

Q: Is flood insurance included in home insurance?

A: No. Flood insurance is a separate policy that must be added to protect your home and belongings from water damage.

Q: What is the difference between term life and whole life insurance?

A: Term life provides affordable protection for a set time period. Whole life covers you for a lifetime and also builds cash value.

Q: Do I need life insurance if I’m young and healthy?

A: Yes. Buying early usually means lower rates, and it ensures your loved ones are protected if the unexpected happens.

Q: What makes classic car insurance different from regular auto insurance?

A: Classic car policies use agreed value, cover specialized repairs, and account for limited use—something standard auto insurance does not.

Q: Does renters insurance cover my belongings if there’s a hurricane?

A: Yes, renters insurance usually covers personal property loss from events like storms, theft, or fire. Flood damage requires a separate policy.

Q: Do I need motorcycle insurance in Florida?

A: Florida doesn’t require motorcycle insurance if you have proper medical coverage. However, without liability coverage, you could face lawsuits, large out-of-pocket expenses, or be responsible for property damage and medical bills yourself. Many lenders also require insurance if your bike is financed or leased. Beyond accidents, motorcycle insurance can cover theft, vandalism, weather damage, and other risks not related to crashes.

Q: Why choose MLR Insurance Group?

A: We’re an Orlando-based agency with local expertise, personalized service, and a wide range of coverage options. Our goal is to make insurance simple, clear, and accessible.

Q: Can I get a quote online?

A: Yes! Our online quoting tool provides instant comparisons. You can also talk directly to an agent for personalized guidance.