The Florida Personal Lines exam covers a more limited set of state regulations than the General Lines exam, but the areas it does test are very important. The content covered in this chapter makes up 10% of the Personal Lines exam.

Florida Personal Lines regulation focuses mainly on:

• Homeowners insurance
• Personal auto insurance
• Claims handling
• Premium financing
• Hurricane and windstorm issues
• Florida-specific property problems such as sinkholes and flood
• Residual market and surplus lines concepts for personal risks

This chapter is very practical. Florida Personal Lines questions are often built around real-life situations involving:

• A homeowner’s policy being canceled or nonrenewed
• A hurricane claim
• A personal auto accident
• A proof of loss requirement
• A dispute about coverage or claim payment
• A risk that cannot be placed in the admitted market

As with the other Florida regulation chapters, many of these questions come down to three ideas:

• What must the insurer do?
• What must the insured do?
• What Florida-specific rule applies?

Chapter Roadmap

This chapter covers the main Florida personal lines regulation topics Pearson VUE lists as testable:

1. Insurance contracts
2. Payment of claims
3. Premium financing
4. Property insurance issues unique to Florida
5. Citizens Property Insurance Corporation
6. Surplus lines
7. Auto insurance
8. Comparative negligence/fault
9. Florida Automobile Joint Underwriting Association (FAJUA)

This chapter is narrower than General Lines, but the tested areas are still rich with Florida-specific exam traps.