Each winter, thousands of snowbirds migrate back to beautiful Englewood and Sarasota to enjoy warm beaches, sunshine, and a slower pace of life. But before settling into your seasonal home, it’s important to ensure your insurance coverage is up to date, accurate, and prepared for Florida living. Whether you spend a few months or half the year in Southwest Florida, your insurance needs may look very different from those in your northern home state.
At Wampler Varner Insurance Group, we’ve been helping seasonal and full-time residents protect what matters most for over 40 years. Here are the 10 essential insurance tips every snowbird should know before returning to Florida this winter.
1. Review Your Health Insurance Before Traveling
Heading south for the season? Make sure your health insurance offers coverage in Florida, including network providers in Sarasota and Charlotte Counties. Some plans, especially HMOs, limit coverage outside your home state. If you have Medicare, understanding how it works when traveling is essential — learn more directly at Medicare.gov.
2. Check for Florida-Friendly Provider Networks
Carefully review whether your seasonal doctors, specialists, and pharmacies are in-network. This is especially important for snowbirds with chronic conditions or prescriptions that need refilling in Englewood or Sarasota. Our agents can help you compare Florida-friendly plans that reduce out-of-pocket costs.
3. Update Your Homeowners Insurance for Seasonal Occupancy
If you own a seasonal home, your insurance needs may differ from your primary residence. Some policies require special endorsements for vacant or part-time occupancy. Reviewing your homeowners policy ensures your Florida property is fully protected while you’re away and while you’re here.
4. Consider Flood Insurance — Even If You’re Not on the Water
Much of Southwest Florida is in a flood-prone region. Even if your home isn’t waterfront, heavy rains and storm surge can cause flooding. Flood insurance is not included in standard homeowners insurance, so snowbirds should consider purchasing a separate policy. You can learn more from the National Flood Insurance Program (NFIP) at FloodSmart.gov.
5. Review Auto Insurance for Seasonal Use
If you bring your vehicle to Florida, make sure your auto insurance covers you while traveling and while living temporarily out of state. Florida requires specific coverage minimums, and your northern policy may need updating.
6. Consider Travel Medical Insurance
If you’re traveling a long distance or internationally before arriving in Florida, you may benefit from travel medical insurance. This protects you from unexpected medical costs while on the road or in the air, helpful for snowbirds.
7. Update Documents and Emergency Contacts
As a snowbird, or a seasonal resident, it’s important to update your insurance carrier with your temporary Florida address, phone number, and emergency contacts. This ensures you receive important notifications, including billing and policy updates, during your stay.
8. Schedule a Policy Review With a Local Agent
Policies purchased up north don’t always translate seamlessly to Florida living. At Wampler Varner Insurance Group, our team reviews your policies to identify gaps, opportunities for savings, and potential coverage improvements. A quick review can prevent costly surprises.
📍 Address: 31 W Green St. Englewood, FL 34223
📞 Phone: 941-473-7100
🌐 Website: www.wamplerins.com
9. Protect Your Belongings While You’re Away
Snowbirds often leave one home empty for months at a time. Whether it’s your Florida home or your northern home, make sure your policy covers theft, vandalism, burst pipes, or weather-related damage during extended absences.
10. Plan for Long-Term Care & Health Needs
Many snowbirds spend longer periods in Florida each year, making it important to consider long-term care insurance or Medicare Advantage plans that provide coverage in Florida. Our licensed agents help you navigate these options so you’re fully protected year-round.
FAQs for Snowbirds Returning to Englewood & Sarasota
1. Do I need Florida health insurance if I’m only here a few months as a snowbird?
Not always, but you should ensure your current plan includes out-of-state coverage and Florida providers.
2. What type of insurance do seasonal homeowners need?
Most need a standard homeowners policy plus flood insurance and optional endorsements for seasonal or vacant occupancy.
3. Will Medicare cover me as a snowbird in Florida?
Yes, Medicare is nationwide, but Advantage plans often have network restrictions. Review your plan before traveling.
4. Should I insure my car in Florida?
If you spend several months here and drive regularly, your policy may need adjustments.
5. Can Wampler Varner Insurance handle both my Florida and northern policies?
We can coordinate your Florida-based coverages and help ensure your policies work well together.
Final Thoughts + Call to Action
Snowbird season should be relaxing — not stressful. By reviewing your insurance before arriving in Southwest Florida, you can enjoy your winter months with total peace of mind.
At Wampler Varner Insurance Group, we specialize in helping seasonal residents protect their health, homes, vehicles, and financial future. Call us today at 941-473-7100 or visit www.wamplerins.com to schedule your personalized insurance review. We’re here to help you enjoy your Florida winter worry-free.