Penalties for Not Possessing Florida Health Insurance

Penalties for Not Possessing Florida Health Insurance


With the implementation of the Affordable Care Act, otherwise known as Obamacare, it is important to possess insurance to avoid penalties. If you are a Florida resident, this means you must have Florida health insurance to avoid these costly penalties which could leave you with quite a bit of hardship if you make very little money already. While the government offers a few options that you can turn to for health insurance, choosing the insurance policy and plans that are right for you is an important step to covering your family properly.


The penalties that were put into place through the Affordable Care Act are there to deter people from not possessing insurance. The cost of these penalties as of 2015 for not having insurance include $325 per uninsured or underinsured adult and $162.50 per uninsured or underinsured child. However the penalty that you will receive around tax season can also be equal to 2% of your yearly family income and depends on what will cost you more money. For example, if you make $40,000 for your family’s total income or just your own annual income, you will be charged $800 rather than the individualized cost if you are a household of 1 or 2.

Purchasing Insurance

When you purchase your insurance, whether through the Obamacare website or an independent company like, you should always ask your insurance broker if your coverage will prevent you from being penalized for not possessing insurance. Some insurance companies do not offer a low cost plan that will consider you as covered through the Affordable Care Act. You will also need to discuss the various parts of your Florida health insurance policy to ensure that you have all the proper coverage that you need to ensure your family is in excellent health.

Where to Buy

There is nothing exciting about looking for health insurance, however being sure you are looking in the right places is a great start. You can buy your insurance through an independent insurance company, a local company, big business, your employer, and through the government. This provides you with various options that you can explore to find the insurance plans that work best for you and your family while also looking into the rates that you will pay for the insurance and copays. While some people prefer to simply go through their employer for insurance as it is paid directly from their paycheck, others enjoy the ability to pay for their own insurance coverage as they know exactly what they are paying for.

Government Insurance Programs

The government, at both state and federal levels, provide insurance options that are not only affordable but easy to access as long as you qualify. The state of Florida may offer a wider variety of Florida health insurance options that you can consider, while the federal government offers many others that may save you some money. Once you have found a plan that interests you, simply apply online or print the paperwork and mail it to the designated address, and wait to be accepted. Many government insurance programs require certain qualifications be met before you will be accepted and receive insurance from either state or federal.

You may also find that there are some insurance programs that are offered through the government that possess no requirements and are offered at a percentage of your annual income. This is a great way to obtain the insurance that you need and avoid paying more than necessary for the insurance coverage that you are receiving. There are also many different contact numbers that you can use to ask specific questions about each program to find the one that fits you and your family most.

Florida Floods Make Insurance Rates Skyrocket

Those of you who are fortunate enough to live in the sunny state of Florida will be well aware of the extreme weather which we sometimes experience. There are the floods, the hurricanes and the other ‘freak’ weather incidents. However, we Floridians are tough and so we deal with what Mother Nature throws at us with a cheerful heart. Sadly, when it comes to the small matter of money, we are considerably less tolerant. If you live in Florida and have heard the recent news about how flood zones will be affected by impact insurance rates, you are probably, well, a little annoyed. Why should we not get as much compensation when our houses are ruined? However, there is no point getting angry about it because cursing will not change anything. Instead, I would suggest finding out whether you will be affected by the change in policy.


Port St. John has seen more than its fair share of storms. However, one particular storm sticks in the mind of many of its residents. This delightful tempest managed to bring eleven inches of rain down on Port St. John in just seven hours. Now, many of you can probably imagine the catastrophic flooding which occurred as a result of this storm. Many of you will not be able to imagine what the reaction of the Federal Emergency Management Association was. One resident, whose house, which is in a high risk flood area, cost him $5830 in flood insurance. This cost him $485 a month on his Florida homeowners insurance when annually, he had paid $400 for flood insurance. Yes, that does indeed sound very unfair. So, the real question is, will you be affected by the new homeowner’s insurance rates Florida?

New Zones for Us

This man had friends and neighbours who happened to live across the street and, despite the fact that their properties had been built on lower ground, they were not included in the high risk flood zone.

Many residents are distressed as this means that, for those of us who are less economically advantaged, we are now unable to afford to insure our homes. Many residents were not included in a high risk flood area until this year. Now, they find themselves paying considerably more to insure their properties. However, for some people, the changes to flood risk zones has meant that they now have to pay considerably less for home insurance

Into The Coffers

Billions of dollars are now at stake in the annual flood premiums, which go directly to the Federal Emergency Management Association’s bank. The new insurance rates have also effected the local real estate market as many homeowners have decided that it is cheaper to sell their properties than it is to insure them. As well as this, few buyers are eager to buy on high risk land as it means that they will have to fork out more money for insurance.

Many people may be affected by the new homeowner’s insurance rates Florida so, if you think that your property may now be in a high risk flood zone, it is important to check here. If you find yourself suddenly paying hundred more dollars for insurance, consider selling your home. Although you may receive less money than you paid for it, it is often cheaper than insuring it.

Inexpensive car insurance Florida

Three things you need to verify before purchasing inexpensive car insurance in Florida

Purchasing inexpensive car insurance in Florida is a dream of almost all vehicle owners, but unfortunately something that alludes to terribly many people.

It’s not because there aren’t a lot of inexpensive car insurance Florida offers out there – in fact, the opposite is probably true. There are so many different inexpensive car insurance Florida offers out there like that it can be next to impossible to wade through all of them and come to the one that makes the right sense for you, your vehicle, and your budget.

Use the information below to choose the best inexpensive car insurance Florida has to offer, and make sure that (at the exact same time) you aren’t getting stuck with the wrong end of a deal.

Always read the fine print

Always, always, ALWAYS read the fine print to your inexpensive car insurance Florida agreement before you sign on the dotted line.

You might find that what you think you had agreed to (or what you have verbally agreed to with your Florida insurance agent) isn’t exactly what is represented in the documentation that you’ll be asked to sign.

Now, sometimes this is an innocent oversight and clerical error that will be remedied almost immediately – but sometimes it is something done “under the radar” to take advantage of people just like you.

No matter what the reasoning behind this mix up with the fine print, it’s important that you bring the details to the attention of your inexpensive car insurance Florida service before you agree to absolutely anything. Make sure that it is revised to your satisfaction before signing away, and make sure that you keep both eyes open doing business with that moving forward.

Verify your coverage and your expenses

Secondly, you need to make sure that the coverage you are receiving (the money that you are going to be asked to pay every month) is exactly what you had expected.

Again, things can get a little bit sideways, and frequently things are seemingly lost in translation when it comes to the conversation that you had with your inexpensive car insurance Florida agent and the actual details of your agreement.

Just make sure that everything is cleared up in advance of you signing absolutely anything, and certainly before you hand over any money. Once you do that, you’ve pretty much agreed to whatever they have outlined and established, and you would have a heck of a time trying to get anything changed.

Make sure you can trust their customer service and claims department

Lastly, you need to make sure that you have full confidence and trust in their customer service and claims department.

Most of the time you aren’t going to be dealing with your insurance company all that frequently, but in the event of an emergency you want to make sure that the inexpensive car insurance Florida service you decided to move forward with is actually going to back you up and help you out when you need it most.

Florida homeowners insurance against dogs

A lot of people don’t actually give any thought to it, but there’s often certain things that need to have some type of insurance behind it. People with dogs don’t realize that… until they have to pay the price of medical bills for a dog bite.


While most dog owners rarely deal with their dogs biting them, sometimes it does get out of hand with certain dog breeds. Even though these dogs don’t usually bite, certain circumstances may cause the dog to act unruly and bite another party. When that happens, the owner is usually responsible for covering their medical bills.


The case with dog bites and insurance coverage


Now, you might think that’s simple enough to understand, but there’s a catch. Like with any insurance policy, the owner is usually the one responsibility for a liability—the other party who may have suffered the dog bite. This happens when the owner isn’t insured for dog bites. And, believe or not, a lot of insurance companies actually exclude dog bites from their policies.


These policies specifically detail the exclusion of dog bites, meaning that the dog owner wouldn’t have anything covered by their insurance company if a third party happened to experience injuries caused by their dog. Many homeowners insurance companies in different states have started setting certain requirements for the types of dogs covered by their homeowners insurance policies.


To provide a current example, some homeowners insurance companies may provide insurance coverage for certain ‘non-aggressive’ dog breeds, but will turn down insurance for known ‘aggressive’ dog breeds. Even though they might provide coverage, the owner is still liable for any type of damages and resultant injuries that may be caused by their dog.


So, yes, even if you do manage to get insurance for your dog, there’s still a real possibility that you might not get full coverage. Before you look to see if there’s any all inclusive Florida homeowners insurance against dogs, it’s important to learn why companies may make the decisions that they do make about insurance against dogs. Of course, part of those decisions revolve around the prospect of incurring risks.


Dog owner liabilities and insurance


Many homeowners insurance policies place limitations on how much insurance coverage a dog owner can receive. That also applies to dog bite victims, who sometimes don’t get enough coverage for medical bills resulting from their injuries. Due to these restrictions, you usually have to search for Florida homeowners insurance against dogs from the many companies in the area that may or may not provide that particular insurance option in the first place.


When you search for Florida homeowners insurance against dogs, you might come across some options on the ‘insurance market.’ Those options usually include:


  • Umbrella coverage policies, which usually provides liability coverage against damages, injuries and/or losses not covered by your primary insurance. In other words, it will cover dog bites that aren’t covered by your homeowners insurance policy.
  • Excess coverage policies, which typically include a higher policy limit for losses that are usually covered by your primary insurance. Here, you might end up paying more for coverage against something like dog bites.
  • Canine liability policies, which are policies developed specifically for dog owners. If you can’t get coverage against or for dog bites and other damages from dogs, this would be the type of policy that you’d need to get.


Interestingly enough, most dog owners end up getting umbrella coverage, since it’s usually enough to cover their insurance needs. You can probably get Florida homeowners insurance against dogs in the form of an umbrella policy by talking to your insurance provider for more information.


It’s because you might not even get insurance to cover dog bite liabilities and other issues from an umbrella policy in the first place. Some umbrella policies may even exclude dog-related coverage altogether. That’s why it’s important to check with your insurance provider to see if they provide insurance against dogs.


You might get the best insurance coverage out of a canine liability insurance policy, since it’s specifically designed for that purpose. The problem with canine liability insurance policies is that they’re pretty uncommon around the country. You might luck out with finding coverage in your Florida area, though some places aren’t so lucky.


Getting dog-related insurance in Florida


Don’t think that you can’t get Florida homeowners insurance against dogs, because you can. You just have to ask your insurance company about the options you might have. The difficulty with finding adequate enough dog-related insurance is the fact that owning a dog can be considered a risk to homeowners insurance companies.


That risk lies in the prospect of incurring liabilities that your insurance company may have to provide coverage for. To put that into perspective, resources like the Federal Centers for Disease Prevention and Control have reported that dogs do ‘bite more than 4.7 million people per year, which results in more than $400 million in medical costs.’ Another resources, the Insurance Information Institute, reported sometime back that the ‘cost of dog bite claims increased about 53 percent from the years 2003 to 2011.’


So, when you look at that information, you’d see that dog bites are rather common… especially when you consider that they now account for ‘more than a third of all homeowners insurance liability claims, something that equal to about $1 billion in claims for damages every year.’


While most people don’t experience severe damages from dog bites, some do. And, the costs from the dog bite place pressure on the victim and the dog owner themselves. Due to that, having some time of dog-related insurance coverage is important. It’s not going to be easy to find that coverage, though.


If you do want to find Florida homeowners insurance against dogs in your area, you will have to contact insurance companies like to find out more information. While you’re more likely to get insurance against dogs from a different company altogether, it doesn’t hurt to ask around. After all, learning more information about your coverage options can help you get the coverage you need before it’s too late to find good enough coverage against dogs.