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These guides provide comprehensive product information to assist in shopping for a specific type of insurance and are available for download in pdf PDF format.

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Property & Casualty

Automobile Insurance: This toolkit outlines the coverage you must have as a Florida resident and explains your other insurance options.

Automobile Insurance:

This toolkit outlines the coverage you must have as a Florida resident and explains your other insurance options.

Available for Download in English or Spanish

 

Auto Mediation: The Department of Financial Services stands ready to assist consumers who are having difficulty getting auto insurance claims resolved.

 

Automobile Insurance Claim Disputes:

The Department of Financial Services stands ready to assist consumers who are having difficulty getting auto insurance claims resolved.

Available for Download in English or Spanish

Download form (DFS-I0-510) to Request Auto Insurance Mediation

 

Homeowners Insurance: This toolkit provides helpful suggestions to prepare you for any type of claim that involves the largest investment you’ve made - your home.

 

Homeowners Insurance:

This toolkit provides helpful suggestions to prepare you for any type of claim that involves the largest investment you’ve made - your home.

Available for Download in English or Spanish

 

Homeowner Claims Bill of Rights: Find out what your rights are as a residential property policyholder under the Homeowner Claims Bill of Rights.

 

Homeowner Claims Bill of Rights:

Find out what your rights are as a residential property policyholder under the Homeowner Claims Bill of Rights.

Available for Download in English or Spanish

 

Residential Mediation: The Department of Financial Services stands ready to assist consumers who are having difficulty getting residential insurance claims resolved.

 

Residential Property Claim Disputes:

The Department of Financial Services stands ready to assist consumers who are having difficulty getting residential insurance claims resolved.

Available for Download in English or Spanish

Download form (DFS-I0-2082) to Request Personal Residential Insurance Mediation

Download form (DFS-I1-1669) to Request Commercial Residential Mediation

 

Florida Renters' Insurance

 

Renters' Insurance:

This toolkit provides information to assist you with insuring your personal property. It also contains tools to assist you if you have a covered loss.

Available for Download in English or Spanish

 

The Neutral Evaluation Program provides a professional to determine the existence and scope of a sinkhole loss.

 

Settling Your Sinkhole Claim:

The Neutral Evaluation Program provides a professional to determine the existence and scope of a sinkhole loss.

Available for Download in English

Download form (DFS-I4-1784) to Request Neutral Evaluation

View Neutral Evaluator's Report (DFS-I4-1785)

 

Sinkholes are an unpredictable part of the Florida landscape, especially in West Central Florida and the greater Tampa Bay area. Before you buy a home, make sure that you have these bases covered.

 

Sinkholes and Catastrophic Ground Collapse:

Sinkholes are an unpredictable part of the Florida landscape, especially in West Central Florida and the greater Tampa Bay area. Before you buy a home, make sure that you have these bases covered.

Available for Download in English

 

Small Business: Finding the best insurance plan to protect your business is one of the many important decisions you must make as a small-business owner. This guide explains the required and optional coverage you need to consider.

 

Small Business:

Finding the best insurance plan to protect your business is one of the many important decisions you must make as a small-business owner. This guide explains the required and optional coverage you need to consider.

Available for Download in English or Spanish

 

Surplus Lines: Surplus lines insurance is an alternative type of insurance coverage for consumers who cannot get coverage in the standard or “admitted” market. Standard companies will not write policies for unusual, high-risk situations. Read the brochure to learn more.

 

Surplus Lines - Bridging the GAP:

Surplus lines insurance is an alternative type of insurance coverage for consumers who cannot get coverage in the standard or “admitted” market. Standard companies will not write policies for unusual, high-risk situations. Read the brochure to learn more.

Available for Download in English

 

Title Insurance: During the home buying process many of us are faced with a barrage of terms and procedures we have never heard of, especially if we are first-time buyers. This publication is designed to help you understand the process.

 

Title Insurance:

During the home buying process many of us are faced with a barrage of terms and procedures we have never heard of, especially if we are first-time buyers. This publication is designed to help you understand the process.

Available for Download in English

 

Workers Compensation Fraud: Join the battle against workers' compensation fraud. Learn about the consequences of workers’ compensation fraud and how to report it.

 

Workers Compensation Fraud:

Join the battle against workers' compensation fraud. Learn about the consequences of workers’ compensation fraud and how to report it.

Available for Download in English or Spanish

 

Natural Disaster: Your guide to insurance and financial preparation in the event of a natural disaster.

 

Natural Disaster:

Hurricanes aren't the only disasters that Floridians need to be prepared for each year. Wildfires, floods, tornadoes and sinkhloles are other reasons why it pays to make sure your homeowners' insurance is adequate, and that your financial interests are up-to-date and protected.

This guide contains information that can be extremely valuable in the event of a natural disaster.

Available for Download in English or Spanish

 

Disaster Assistance: This brochure offers tips on dealing with damage from hurricanes and other natural disasters, including numbers to call for assistance with insurance issues.

 

Disaster Assistance:

This brochure offers tips on dealing with damage from hurricanes and other natural disasters, including numbers to call for assistance with insurance issues.

Available for Download in English or Spanish

 

Generators:A generator can be your best friend during a hurricane or prolonged power outage. But misused generators can be deadly-causing fires, electrocution or carbon monoxide poisoning.

 

Generators:

A generator can be your best friend during a hurricane or prolonged power outage. But misused generators can be deadly-causing fires, electrocution or carbon monoxide poisoning.

Available for Download in English or Spanish

 

The MyHOME Scr.APP.book home inventory application lets you quickly capture images, descriptions, and serial numbers of your prized possessions. The app organizes information by room or by category and even creates a back-up file for email sharing. It is great for determining how much insurance you really need and for filing a claim.

 

NAIC Free MyHOME Scr.APP.book app:

The MyHOME Scr.APP.book home inventory application lets you quickly capture images, descriptions, and serial numbers of your prized possessions. The app organizes information by room or by category and even creates a back-up file for email sharing. It is great for determining how much insurance you really need and for filing a claim.

Available for Download iPhone or Android

 

Life & Health

Life and Annuity Guide: When considering purchasing an annuity, it is important that you understand your needs and the products that are available to meet them. This guide is designed to point out the differences between life insurance and annuities as investments, and how to find the plan that is right for you.

Life Insurance and Annuities:

When considering purchasing an annuity, it is important that you understand your needs and the products that are available to meet them. This guide is designed to point out the differences between life insurance and annuities as investments, and how to find the plan that is right for you.

Available for Download in English or Spanish

 

Health Insurance Guide: Health insurance is an important coverage that can protect you and your family from the devastating financial effects of unexpected health problems or catastrophic illness. Please review the Health Guide for ways to control and manage costs.

 

Health Insurance:

Health insurance is an important coverage that can protect you and your family from the devastating financial effects of unexpected health problems or catastrophic illness. Please review the Health Guide for ways to control and manage costs.

Available for Download in English

 

Long Term Care Guide: Long-term care encompasses a wide range of medical, personal and social services. People may need this care if they suffer from prolonged illness, disability or cognitive impairment.

 

Long-Term Care:

Long-term care encompasses a wide range of medical, personal and social services. People may need this care if they suffer from prolonged illness, disability or cognitive impairment.

Available for Download in English

 

Medicare and You Guide: Your best and official source of answers to your medicare questions.

 

Medicare and You Guide by CMS:

Your best and official source of answers to your medicare questions.

Available for Download in English or Spanish

 

Medicare Supplement Guide: Medicare is an essential health care program for people age 65 and older and people with disabilities. This guide will help you evaluate your health care insurance needs.

 

Medicare Supplement Guide by CMS:

Medicare is an essential health care program for people age 65 and older and people with disabilities. This guide will help you evaluate your health care insurance needs.

Available for Download in English or Spanish

 

Viatical and Life Settlements Guide: Viatical settlements provides a life insurance policyholder a cash benefit for a life policy before the death of the insured. This booklet helps define terms used in such settlements and offers guidelines to see whether such an investment is right for you.

 

Viatical and Life Settlements:

Viatical settlements provides a life insurance policyholder a cash benefit for a life policy before the death of the insured. This booklet helps define terms used in such settlements and offers guidelines to see whether such an investment is right for you.

Available for Download in English

 

Annuity Purchase Checklist: Questions to ask an agent or agency when considering the purchase of an annuity.

 

Annuity Purchase Checklist:

Questions to ask an agent or agency when considering the purchase of an annuity.

Available for Download in English

 

Annuity Purchase Tips: Answers common questions buyers have regarding the purchase of an annuity.

 

Annuity Purchase Tips:

Answers common questions buyers have regarding the purchase of an annuity.

Available for Download in English

 

Medical Discount Program: Medical discount cards and plans are being increasingly advertised and promoted. It is essential that you understand their benefits and conditions.

 

Medical Discount Program:

Medical discount cards and plans are being increasingly advertised and promoted. It is essential that you understand their benefits and conditions.

Available for Download in English

 

Financial

An important aspect of disaster preparedness is financial preparedness.  This toolkit is designed to help you organize your financial information before and after a disaster.

Emergency Financial Prepardness:

An important aspect of disaster preparedness is financial preparedness. This toolkit is designed to help you organize your financial information before and after a disaster.

Available for Download in English or Spanish

 

Identity Theft brochure

 

Identity Theft:

When your private financial information gets into the wrong hands, the consequences can be devastating. Yet there are many ways you can help protect yourself on a daily basis. If you should fall victim to identity theft, it is important that you act quickly. Contacting the correct agencies and filing the necessary reports will go a long way toward minimizing any damage to your financial wellbeing.

Available for Download in English

 

Unclaimed Property - Do you have Lost Treasure?: Unclaimed property is a financial asset that has been left inactive by its owner. Unclaimed money is deposited into the state school fund, where it is used for public education.

 

Unclaimed Property-Do you have Lost Treasure?:

Unclaimed property is a financial asset that has been left inactive by its owner. Unclaimed money is deposited into the state school fund, where it is used for public education.

Available for Download in English

 

 

Fight Fraud: Borrowing money for a home or car? Investing in stocks and securities? Insuring your family and possessions? Plenty of frauds and scams are ready to take advantage of you. Learn how to Fight Back Against Fraud in this brochure.

 

Fight Back Against Fraud:

Borrowing money for a home or car? Investing in stocks and securities? Insuring your family and possessions? Plenty of frauds and scams are ready to take advantage of you. Learn how to Fight Back Against Fraud in this brochure.

Available for Download in English or Spanish

 

Credit Scoring: Credit information plays a key role in most homeowners and automobile coverage and rates. Understanding how the system works is your best defense against costly and damaging mistakes.

 

Credit Scoring - Credit, Insurance and You:

Credit information plays a key role in most homeowners and automobile coverage and rates. Understanding how the system works is your best defense against costly and damaging mistakes.

Available for Download in English

 

Collections: Consumers are protected from harassment by collection agencies. This brochure explains your rights when dealing with debt collectors.

 

Collections:

Consumers are protected from harassment by collection agencies. This brochure explains your rights when dealing with debt collectors.

Available for Download in English

Download Consumer Collection Agency Complaint Form

 

Predatory Lending: Predatory lenders offer easy access to money but often use high-pressure sales tactics, inflated interest rates, outrageous fees, unaffordable repayment terms and harassing collection tactics.

 

Predatory Lending:

Predatory lenders offer easy access to money but often use high-pressure sales tactics, inflated interest rates, outrageous fees, unaffordable repayment terms and harassing collection tactics.

Available for Download in English or Spanish

 

Avoid Affinity Fraud: Never make an investment based solely on the recommendation of a member of an organization, religious, or ethnic group to which you belong.

 

Avoid Affinity Fraud:

Never make an investment based solely on the recommendation of a member of an organization, religious, or ethnic group to which you belong.

Available for Download in English

 

Home Mortgage Shopping Tips: Consumers are protected from harassment by collection agencies. This brochure explains your rights when dealing with debt collectors.

 

Home Mortgage Shopping Tips:

Consumers are protected from harassment by collection agencies. This brochure explains your rights when dealing with debt collectors.

Available for Download in English

 

Is a Reverse Mortgage Right for you?: Before you borrow, consider these questions to determine if a reverse mortgage is right for you.

 

Is a Reverse Mortgage Right for you?:

Before you borrow, consider these questions to determine if a reverse mortgage is right for you.

Available for Download in English or Spanish

 

Young Consumers - Wheels, Deals & Spiels: Your financial life is just beginning. Read here for tips dealing with purchasing a car and insurance, signing up for credit cards, and avoiding identity theft and predatory lending.

 

Young Consumers - Wheels, Deals & Spiels:

Your financial life is just beginning. Read here for tips dealing with purchasing a car and insurance, signing up for credit cards, and avoiding identity theft and predatory lending.

Available for Download in English or Spanish

 

Victims Rights: This brochure offers guidelines on your rights as a victim of a crime, what to expect from the legal system, and resources for assistance.

 

Victims Rights:

This brochure offers guidelines on your rights as a victim of a crime, what to expect from the legal system, and resources for assistance.

Available for Download in English or Spanish