Do snowbirds need separate insurance when traveling to Florida for the winter season? According to Florida law, the no-fault law requires owners of motor vehicles that have been the state for at least 90 consecutive days or 90 non- consecutive days during the past 365 days to purchase a policy delivered or issued for delivery for Florida. The minimum coverage is: $10,000 of personal injury protection (PIP)and $10,000 property damage liability (PDL). So as a snowbird, that would cause some confusion and according to an article in the Boston Globe – it did. Mainly because their (Massachusetts) state auto insurance regulations exceeds those limits. In actuality, the state where the snow bird originally resides is what auto policy that would cover any issues during their stay in Florida, This is also affirmed by the Florida Office of Insurance Regulations who states that a snow bird’s home state auto policy is sufficient as long as it meets the minimum requirements of Florida requirements.
Thus, a good recommendation is even though Florida coverage minimums are among the nation’s lowest, snowbirds should at least match their home states’ minimums. However, maintaining only the minimum coverage is also a good way to lose that vacation home if anything major happens.