Consumer Guides


Browse your options and find what is best for you. These guides provide comprehensive product information to assist in shopping for a specific type of insurance and are available for download in pdf icon PDF format.

Select the desired tab below.


shaking hands over clipboard on desk

Assignment of Benefits:

Learn more about assignment of benefits and how it can impact a homeowner.

Download Assignment of Benefits in  English 

silver car front end damage from collision

Automobile Insurance:

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

Download Auto Insurance in  English 

vertical line of cars inundated in tire high water

Filing an Auto Claim:

This brochure provides a brief overview of the steps to take when filing an auto claim.

Download Filing an Auto Claim in  English 

rear view of white sedan on highway

Automobile Mediation Program:

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

Download Automobile Mediation Program in  English 

aerial view of cul-de-sac neighborhood

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.

Download Homeowners Insurance in  English 

red home exterior with roof damage from palm tree

Homeowner Claims Bill of Rights:

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

Download the Homeowner Claims Bill of Rights in  English 

severely damage single story home surrounded by debris

Post-Disaster Insurance Claims:

This guide will provide you with steps to take to notify your insurer of your loss and make a claim following a disaster.

Download Post-Disaster Insurance Claims in  English 

Roof damage exposed shingles

Premium Discounts for Hurricane Loss Mitigation:

Taking certain mitigation steps to protect your home from hurricane-force winds will not only keep your family safe, but can result in discounts from your insurance company. Use this guide to learn more about premium discounts for hurricane loss mitigation.

Download Premium Discounts in  English

red brick single story residential property front façade

Residential Property Mediation Program:

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

Download Rental Property Mediation in  English 

child in a brown box drawing with parents

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.

Download Renters' Insurance Toolkit in  English

large sinkhole filled with water in lawn

Settling Your Sinkhole Claim:

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

Download Settling Your Sinkhole Claim in  English

large sinkhole in front of residential property

Sinkholes and Catastrophic Ground Cover 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.

Download Sinkholes and Catastrophic Ground Cover Collapse in  English

senior barber trimming the hair of a client in a chair

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.

Download Small Business in  English

FSLSO-text-logo

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.

Download Surplus Lines in  English 

front steps of small home with red door and grey shingled roof

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.

Download Title Insurance in  English 

group of various types of workers gathered in a group

Workers' Compensation Fraud:

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

Download Workers' Compensation Fraud in  English

two sedan vehicles driving through a flooded street

Natural Disaster:

Hurricanes aren't the only disasters that Floridians need to be prepared for each year. Wildfires, floods, tornadoes and sinkholes 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.

Download Natural Disaster in  English 

 

hurricane damage pile of rubble in front of home with red roof

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.

Download Disaster Assistance in  English

 

two homes ravaged by hurricane damage

Florida's Hurricane Deductible:

Learn more about your hurricane deductible and when it applies.

Download Florida's Hurricane Deductible in  English 

 

burning electrical cord in plug

What to Expect After Filing a Homeowners Claim:

Learn more about what to expect after reporting a claim to your insurance company or agent.

Download What to Expect After Filing a Homeowners Claim in  English 

graphical illustration of flooded house on dark blue background

The Flood Claims Process:

Learn more about what to expect after reporting a flood claim to your insurance company or agent.

Download The Flood Claims Process in  English 

 

Getting Help with Your Property Insurance Claim:

Learn how to get help with your property insurance claim.

Download Getting Help with Your Property Insurance Claim in English 

Annuity_th

Annuities:

This guide describes the different kinds of annuities and offers tips and suggested questions to ask before purchasing one.

Download Annuities in English

Health-Insurance_th

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.

Download Health Insurance in English

life insurance salesperson with couple

Life Insurance:

Life insurance policies are not one size fits all. This guide informs you of the different types of life insurance products available and what to consider before purchasing one.

Download Life Insurance in English

elderly couple dancing

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.

Download Long-Term Care in English

Health-Care-Reform_th

Health Care Reform & You:

Do you have questions about the Affordable Care Act (ACA) and how it impacts you? Please review this informative brochure to gain a better understanding of Affordable Care Act.

Download Health Care Reform and You in English

Medicare_th

Medicare and You Guide by CMS:

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

Download Medicare and You in English

senior smiling in front of computer

Medicare Supplement Insurance - Getting Started Guide by CMS:

This brochure provides an introduction and broad overview of Medicare Supplemental Insurance (Medigap) policies.

Download Medicare Supplement - Getting Started in English

senior with healthcare worker

Choosing a Medigap Policy 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.

Download Choosing a Medigap Policy in English

group of emergency items

Emergency Financial Preparedness:

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.

Download Emergency Financial Preparedness in English

Identity-Theft_th

Identity Theft:

Learn about the necessary reports to file to minimize the damage from identity theft.

Download Identity Theft in English 

UP_th

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.

Download Unclaimed Property in English 

car accident

Insurance 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.

Download Insurance Fraud in English

victim-rights_th

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.

Download Victims Rights in English

Ask a Question