Why is my premium going up if I've never even filed a claim?

This is the question we get asked more than any other. Florida rates are driven by catastrophic weather and litigation — not just your personal claims history. Our reinsurance carriers' costs go up from claims all over the world, and that gets passed down. A wave of fraudulent roofing claims here in Florida over the last several years also drove premiums up statewide. It's frustrating, but it's not personal, and legislation is actively being worked on to protect Florida homeowners from constant rate increases.

Is flood insurance included in my home quote?

Not usually — and this is one of the biggest things new Florida residents misunderstand. In most cases, flood insurance is a separate policy from your homeowners policy, regardless of your flood zone. We'll check your zone and tell you plainly whether you need it. Flood risk extends beyond FEMA flood zones, flood risks can affect mortgage requirements, annual insurance costs, home resale value and long-term affordability, and homeowners can sometimes reduce flood losses and insurance costs by elevating utilities and HVAC equipment, installing flood vents, using water-resistant building materials, and improving site drainage.

What's a Wind Mitigation credit, and could I be missing one?

A Wind Mitigation inspection checks features like your roof shape and how it's connected to your walls — features that can unlock a real credit on your premium. It's not something every insurance agent knows to look for unless they're familiar with Florida. We work with trusted inspectors who can usually get you scheduled quickly, with results back within 24 hours.

What happens if my carrier drops me or doesn't renew?

It's happening to a lot of Florida homeowners right now, and it's not a reflection on you. We help families go through this by running a replacement cost estimate to confirm you're covered at the right level, then shop you to the next carrier that's a good fit. You're not starting over from scratch; we're doing the legwork.

How much liability coverage do I actually need?

A lot of agents default to the state minimum of $100,000. We typically recommend starting with at least $300,000 worth of coverage — Florida is a very litigious state, and that minimum can fall short of what's actually at stake if someone is hurt on your property.

Can bundling home and auto actually save me money?

Yes! Typically anywhere from a couple hundred dollars to $1,000 a year, depending on the carrier. Carriers see bundled clients as lower risk and more likely to stay long-term, so they price accordingly.

How fast can I actually get a policy in place?

Quotes are typically turned around within 24 hours. Once we've talked through your coverage and you're ready to move, a policy can be quoted and bound the very same day.

AUTO INSURANCE

Auto insurance that actually makes sense for Florida drivers.

Florida's roads come with more uninsured drivers and more risk than most states — we make sure your policy actually accounts for that, not just the state minimum.

Fast, Local Claims Support

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COVERAGE

Auto insurance,
built for Florida roads

Every driver, every vehicle, and every policy is different here — our job is helping you understand exactly what yours includes and excludes before you sign anything.

BODILY INJURY
LIABILITY

Covers injuries you cause to someone else — the coverage most likely to matter if you're ever at fault.

COLLISION &
COMPREHENSIVE

Repairs after an accident, plus protection from theft, storm damage, and the unexpected — from hail to hurricanes.

UNINSURED MOTORIST

Florida has one of the highest uninsured-driver rates in the country. This protects you when the other driver can't pay.

PERSONAL INJURY
PROTECTION

Required in Florida. Covers your medical bills after an accident, regardless of who's at fault.

WHY WARNER

Independent means we work for you, not one insurance company.

Captive agents can only sell you one company's product. We compare over 20 carriers and find the one that actually fits how you drive. When you have a claim, we're the one in your corner, not just a name on a policy.

7+

Years in Florida Insurance

20+

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Auto Insurance Testimonials

“Amazing experience.”

I was looking for new auto insurance and she managed to get everything sorted in a single day. When out of her way to stay late at the office since my insurance ended at midnight. Not only was she incredibly professional, but she actually found me better coverage than my previous plan while saving me almost $400.

—Jasmine W.

“Has her clients’ best interests at heart.”

She helped us with our car insurance and was able to get our premium even cheaper than what we were paying before, which was such a pleasant surprise and a huge win for us. Ansley is incredibly easy to work with, extremely knowledgeable, and genuinely passionate about what she does.

—Taylor B.

“Best prices in the industry!”

I can’t stress enough the level of customer service I received from Warner insurance. I was treated like family and made sure that I received the best prices in the industry. I have recommended to use Warner insurance to all my family and friends. If you’re looking for excellent prices with boutique customer service this is the place for you.

—Joe B.

“Ansley is amazing!”

Always super professional and great customer service. She went above and beyond to get me my new car insurance late on a Friday night so I could go pick up my new car Saturday! Will always go to her for all my insurance needs.

—Adrian O.

“Patient and thorough.”

I don’t usually take the time to write reviews, but Ansley absolutely deserves one. She helped us find a much better auto insurance policy that not only gave us better coverage but also ended up costing significantly less than what we were paying before. Beyond being knowledgeable, Ansley is genuinely kind and easy to work with. It’s clear that she truly cares about helping people and finding the best solution for them rather than just making a sale.

—Juan R.

“Truly the best in the business.”

Ansley got us better auto coverage, and a better price than our previous insurance. She also took care of our renters insurance. She knows her stuff, and is a delight to work with.

—Ryan M.

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Get a real answer about what you’re covered for.

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MORE WAYS WE CAN COVER YOU

Your car isn't the only thing worth protecting.

If your driving policy is the only one you've got, here's where else Warner Insurance can help.

HOME INSURANCE

Bundling your home and auto is one of the easiest ways to save — typically $200 to $1,000 a year, depending on the carrier.

RENTERS INSURANCE

Your landlord's policy protects the building, not your belongings. Renters coverage is often just a few dollars a month.

MOTORCYCLE INSURANCE

Specialized coverage built for riders — because a standard auto policy usually isn't enough on its own.

EXPLORE COVERAGE

SERVICE AREA

We've got Florida's Gulf Coast covered.

We write policies across the entire state, but our roots are on the west coast — Manatee, Sarasota, Hillsborough, Pinellas, Charlotte, Pasco, Lee, and Collier counties.

Here are a few of the communities we work in most:

Venice

Siesta Key

Sarasota

Bradenton

Lakewood Ranch

Anna Maria Island

Clearwater

St. Petersburg

Tampa

BUNDLE & SAVE

Ways to Lower Your Auto Insurance Premium

We don't just chase the cheapest quote — we go line by line so you understand exactly what you'd give up for a lower premium.

BUNDLE HOME & AUTO

Typically saves $200–$1,000/year.

SAFE DRIVER DISCOUNT

Based on your driving history.

MULTI-CAR DISCOUNT

Insure more than one vehicle with us.

RAISE YOUR DEDUCTIBLE

We'll show you the real trade-off first.

Find out how much you could save

Frequently Asked Questions about Florida Auto Insurance

FAQ

Florida auto rates are driven by litigation, repair costs, and claims trends statewide — not just your personal history. Rising parts and labor costs, plus a high rate of uninsured drivers, get priced into every policy. It's frustrating, but it's not personal.
Yes. Florida is a no-fault state, which means you're required to carry Personal Injury Protection (PIP) — it covers your own medical bills after an accident regardless of who caused it. We'll make sure you have the right amount.
Liability-only covers damage and injuries you cause to others — it doesn't pay to repair your own car. Full coverage adds collision and comprehensive, which covers your vehicle too. We'll walk through which makes sense based on your car's value and your loan or lease.
A lot of agents default to Florida's state minimums, which are concerningly low. We typically recommend higher limits — Florida is a very litigious state, and low limits can leave you personally exposed if you're at fault in a serious accident.
Yes — typically anywhere from a couple hundred dollars to $1,000 a year, depending on the carrier. Carriers see bundled clients as lower risk and more likely to stay long-term, so they price accordingly.
Quotes are typically turned around within 24 hours. Once we've talked through your coverage and you're ready to move forward, a policy can be quoted and bound the very same day.