Course Description

✅ Florida 24-Hour General Lines & Personal Lines Insurance CE Package

Approved by the Florida Department of Financial Services (DFS) ✅
Approved Provider #374697
Only $39.99 | No Added Fees | All Reporting Fees Included

Complete your Florida insurance continuing education with one affordable, comprehensive 24-hour online package. This Florida DFS-approved insurance CE bundle includes the required 4-Hour Law & Ethics Update for General Lines under CE 5-220, plus 20 hours of approved elective education covering the Florida insurance topics agents encounter every day.

The package includes automobile insurance and PIP, homeowners insurance, commercial property and general liability, errors and omissions, flood insurance, hurricane mitigation, premium discounts, Florida insurance laws, ethics, claims, underwriting, and agency risk management.

This package is especially well suited for Florida 2-20 General Lines and 20-44 Personal Lines agents whose DFS MyProfile account shows the standard 24-hour continuing education requirement.

Complete all 24 hours online and on your own schedule. You can log in and out without losing your progress, receive an instant emailed certificate after completion, and have your credits reported to Florida DFS within 24 hours.

✅ One Complete Florida Insurance CE Package

This package combines seven DFS-approved courses totaling exactly 24 hours:

✅ 4 hours of Law & Ethics Update education under CE 5-220

✅ 20 hours of approved elective insurance education

✅ 24 total Florida insurance CE hours

✅ 100% online and self-paced

✅ Instant emailed certificate

✅ Reporting to Florida DFS within 24 hours

✅ No added fees

✅ All reporting fees included

Instead of purchasing and managing seven separate registrations, you can complete your Florida insurance CE through one convenient package for only $39.99.

✅ Who Should Take This Package?

This Florida insurance CE package is designed primarily for:

✅ Florida 2-20 General Lines agents

✅ Florida 20-44 Personal Lines agents

✅ Agents whose MyProfile account requires CE 5-220

✅ Agents who need the standard 24-hour Florida insurance CE requirement

✅ General Lines or Personal Lines agents licensed for fewer than six years

✅ Agents who want both required Law & Ethics education and Florida-focused electives

✅ Insurance professionals who prefer a complete online CE package

✅ Agents who want their completion reported directly to Florida DFS

The package is particularly valuable for agents who sell or service personal auto, homeowners, residential property, commercial property, general liability, and flood insurance.

✅ Is This a Complete Florida Insurance Renewal Package?

For most Florida resident 2-20 General Lines and 20-44 Personal Lines agents whose MyProfile account shows a 24-hour requirement, this package provides the complete CE course combination:

✅ 4-Hour Law & Ethics Update — General Lines, CE 5-220

✅ 20 hours of approved elective credits

✅ 24 total CE hours

Florida assigns continuing education requirements individually. Before enrolling, check your DFS MyProfile CE Status page to confirm that you need 24 hours and that CE 5-220 is the update course assigned to your license.

Agents licensed for six or more years may qualify for a reduction in required elective hours. Those agents may not need the full 24-hour package, although they should rely on the requirement displayed in MyProfile.

✅ Florida General Lines and Personal Lines CE Requirements

Florida’s standard CE requirement for resident 2-20 General Lines and 20-44 Personal Lines agents is generally 24 hours during each two-year compliance period.

The standard requirement consists of:

✅ 4 hours of Law & Ethics Update education under CE 5-220

✅ 20 hours of approved elective education

This package provides that exact 4-hour plus 20-hour combination.

Florida may reduce the elective requirement for eligible licensees. A person who has held an insurance license for six or more years may qualify for a reduction to 16 elective hours, producing a 20-hour total requirement when combined with the four-hour update course.

Additional reductions may apply to certain long-term licensees with qualifying professional designations or degrees. Always use your DFS MyProfile CE Status page as the final source for your individual requirement.

✅ When Is Florida Insurance CE Due?

Florida insurance continuing education is generally due every two years by the last day of the licensee’s birth month.

Your first compliance period begins after licensing and provides a full 24-month period. CE is then due every two years thereafter.

Your exact compliance date, completed courses, remaining hours, and required update authority are listed in your DFS MyProfile account.

Complete your courses before the deadline so there is sufficient time for the credits to be reported and posted.

✅ How to Maintain Your Florida Insurance License

Step 1: Review Your DFS MyProfile Account

Check your CE Status page to confirm:

✅ Your compliance deadline

✅ Your required number of hours

✅ Whether CE 5-220 is assigned to your license

✅ Courses already completed during the current cycle

✅ Your remaining elective requirement

Step 2: Enroll in This 24-Hour Package

Register once and receive access to all seven included courses.

Step 3: Complete the Courses Online

Work through each course at your own pace. You can log in and out whenever needed without losing your progress.

Step 4: Receive Your Instant Emailed Certificate

Your completion certificate is emailed immediately after you finish the applicable course requirements.

Step 5: We Report Your Credits to Florida DFS

We report your completed CE credits to Florida DFS within 24 hours.

Step 6: Confirm That the Credits Have Posted

Return to your MyProfile CE Status page and verify that all 24 hours appear on your transcript.

Step 7: Maintain Your Required Appointment

Florida insurance agents must maintain the appointment required for their license and remain compliant with applicable DFS requirements.

✅ Courses Included in This 24-Hour Package

1. 4-Hour Law & Ethics Update — General Lines, CE 5-220

This required update course reviews Florida insurance regulation, licensing, appointments, advertising, recordkeeping, recent law changes, ethical standards, suitability, unfair insurance practices, enforcement actions, unauthorized products, and current industry trends.

DFS Course #138886 | Course Offer ID #1241751

2. 4-Hour Automobile Insurance & PIP No-Fault

This course reviews the Florida personal auto policy, liability coverage, Medical Payments, PIP, uninsured and underinsured motorist coverage, collision, comprehensive coverage, Florida’s no-fault system, the 14-day treatment rule, financial responsibility, SR-22 and FR-44 filings, rideshare exposures, claims, and ethical client service.

DFS Course #138858 | Course Offer ID #1241596

3. 4-Hour Homeowners & Residential Property Insurance

This course covers homeowners policy structure, dwelling and personal property coverage, loss of use, personal liability, hurricane deductibles, windstorm coverage, flood exclusions, water damage, mold, sinkhole issues, roof coverage, Citizens Property Insurance Corporation, mitigation credits, underwriting, claims, and avoiding underinsurance.

DFS Course #138885 | Course Offer ID #1241609

4. 4-Hour Commercial Property & General Liability Insurance

This course reviews Commercial Package Policies, Businessowners Policies, building and business personal property coverage, causes of loss, business income, Commercial General Liability, additional insureds, commercial auto, workers’ compensation, umbrella liability, professional liability, cyber coverage, certificates of insurance, claims, ethics, and contractual risk transfer.

DFS Course #138859 | Course Offer ID #1241599

5. 4-Hour Errors & Omissions and Agency Risk Management

This course focuses on agent liability, negligence, the standard of care, claims-made E&O coverage, documentation, proper coverage placement, adequate limits, client requests, renewals, cancellations, flood and windstorm exposure, certificates of insurance, privacy, digital marketing, claims reporting, agency procedures, and quality assurance.

DFS Course #138882 | Course Offer ID #1241600

6. 3-Hour Flood Insurance

This course reviews the National Flood Insurance Program, FEMA, community participation, flood zones, Standard Flood Insurance Policy forms, mandatory purchase rules, Risk Rating 2.0, underwriting, building and contents coverage, claims, mitigation, mapping changes, ethical sales practices, and E&O prevention.

DFS Course #136900 | Course Offer ID #1236229

7. 1-Hour Hurricane Mitigation & Premium Discounts

This Florida-focused course covers the statutory basis for hurricane mitigation discounts, Florida hurricane risk, building-code principles, roof mitigation features, opening protection, wall construction, the Uniform Mitigation Verification Form, My Safe Florida Home, premium discounts, and ethical agent communication.

DFS Course #138857 | Course Offer ID #1241533

✅ Important Note About Flood and Hurricane Training

The Flood Insurance and Hurricane Mitigation courses are included because they provide highly relevant Florida-specific education for General Lines and Personal Lines agents.

The Hurricane Mitigation course is included as approved elective education. It should not be interpreted as a separate mandatory one-hour requirement for every licensee.

The required component of this package is the 4-Hour Law & Ethics Update under CE 5-220. The remaining 20 hours are approved elective education.

✅ What You Will Learn

By completing this package, you will receive a broad review of the insurance laws, products, risks, and client-service issues affecting Florida General Lines and Personal Lines agents.

Major topics include:

✅ Florida insurance laws and regulatory agencies

✅ Licensing, appointments, advertising, and recordkeeping

✅ Ethical sales practices and suitability

✅ Unfair insurance practices and disciplinary trends

✅ Florida automobile insurance and PIP

✅ Uninsured and underinsured motorist coverage

✅ Homeowners and residential property insurance

✅ Hurricane deductibles and windstorm coverage

✅ Roof coverage, water damage, mold, and sinkhole issues

✅ Citizens Property Insurance Corporation

✅ Commercial property and business income coverage

✅ Commercial General Liability

✅ Additional insureds and certificates of insurance

✅ Errors-and-omissions prevention

✅ Agency documentation and risk management

✅ NFIP flood insurance and Risk Rating 2.0

✅ Hurricane mitigation features and premium discounts

✅ Claims communication and the agent-adjuster boundary

✅ Consumer protection and vulnerable-client considerations

✅ Save $68.94 With the Package

Purchased individually, the seven courses would cost:

✅ 4-Hour Law & Ethics Update — $15.99

✅ 4-Hour Automobile Insurance & PIP No-Fault — $15.99

✅ 4-Hour Homeowners & Residential Property Insurance — $15.99

✅ 4-Hour Commercial Property & General Liability Insurance — $15.99

✅ 4-Hour Errors & Omissions and Agency Risk Management — $15.99

✅ 3-Hour Flood Insurance — $15.99

✅ 1-Hour Hurricane Mitigation & Premium Discounts — $12.99

Total individual price: $108.93

Package price: $39.99

Your total savings: $68.94

There are no added fees, and all applicable reporting fees are already included in the package price.

✅ Why Choose 1st Choice CE?

✅ Florida DFS-approved courses

✅ Approved Provider #374697

✅ Complete 24-hour package for eligible 2-20 and 20-44 agents

✅ Required CE 5-220 Law & Ethics Update included

✅ 20 hours of approved electives included

✅ Seven courses in one affordable package

✅ Only $39.99

✅ Save $68.94 compared with individual course prices

✅ No added fees

✅ All reporting fees included

✅ 100% online and self-paced

✅ Log in and out without losing your progress

✅ Instant emailed certificate after completion

✅ Credits reported to Florida DFS within 24 hours

✅ Money-back guarantee

✅ More than 10 years of trusted continuing education service

✅ Support by phone or text at 1-800-698-2770

✅ Enroll Now – Complete All 24 Hours for Only $39.99

Complete your Florida General Lines or Personal Lines continuing education through one convenient online package. Get the required CE 5-220 Law & Ethics Update, 20 hours of practical Florida-focused electives, instant certification, fast DFS reporting, and no added fees.

✅ Included Courses With Individual Links

✅ 4-Hour Law & Ethics Update — General Lines, CE 5-220 — $15.99

✅ 4-Hour Automobile Insurance & PIP No-Fault — $15.99

✅ 4-Hour Homeowners & Residential Property Insurance — $15.99

✅ 4-Hour Commercial Property & General Liability Insurance — $15.99

✅ 4-Hour Errors & Omissions and Agency Risk Management — $15.99

✅ 3-Hour Flood Insurance — $15.99

✅ 1-Hour Hurricane Mitigation & Premium Discounts — $12.99

✅ Frequently Asked Questions

Is this package approved by the Florida Department of Financial Services?

Yes. The individual courses included in this package are approved by the Florida Department of Financial Services. 1st Choice CE is Approved Provider #374697.

How many CE hours are included?

The package includes 24 total hours of Florida insurance continuing education.

Is this a complete CE package for Florida 2-20 General Lines agents?

It is designed as a complete package for 2-20 General Lines agents whose MyProfile account shows the standard 24-hour requirement and CE 5-220 update authority.

Can Florida 20-44 Personal Lines agents take this package?

Yes. Florida assigns CE 5-220 to both 2-20 General Lines and 20-44 Personal Lines agents. Personal Lines agents should confirm that their MyProfile account shows a 24-hour requirement before enrolling.

Does the package include the required Law & Ethics Update?

Yes. It includes the 4-Hour Law & Ethics Update — General Lines under CE 5-220.

How many elective hours are included?

The package includes 20 hours of approved elective insurance education.

What if I have been licensed for six years or longer?

Florida licensees with six or more years of licensure may qualify for a reduction to 16 elective hours. That generally produces a 20-hour total requirement when combined with the four-hour update. Check MyProfile to determine whether the reduction has been applied to you.

Is the one-hour Hurricane Mitigation course mandatory?

It is included as valuable Florida-specific elective education. This package does not present it as a separate mandatory one-hour requirement for every licensee.

Does the package include flood insurance education?

Yes. It includes a three-hour Flood Insurance course covering the NFIP, Risk Rating 2.0, underwriting, policy mechanics, claims, mapping, and mitigation.

Can all 24 hours be completed online?

Yes. All seven included courses are delivered online and are self-paced.

Can I log in and out without losing my progress?

Yes. Your progress is saved so you can return and continue where you stopped.

Will I receive a certificate?

Yes. You receive an instant emailed certificate after completing the applicable course requirements.

Do you report my credits to Florida DFS?

Yes. We report completed credits to Florida DFS within 24 hours.

Does the $39.99 price include reporting fees?

Yes. There are no added fees, and all applicable reporting fees are included.

How much would the courses cost separately?

The seven courses would cost $108.93 if purchased individually. The package costs $39.99, saving you $68.94.

When is Florida insurance CE due?

Florida insurance CE is generally due every two years by the last day of the licensee’s birth month. Your exact deadline appears in DFS MyProfile.

Can I repeat a course I recently completed?

Florida generally does not award CE credit for repeating the same course within two years. Review your transcript before enrolling to make sure you have not recently completed one of the included courses.

Does purchasing this package automatically renew my license or appointment?

The package completes applicable continuing education coursework and we report the credits. You remain responsible for confirming compliance in MyProfile and maintaining any appointment required for your license.

Is there a money-back guarantee?

Yes. This package is backed by our money-back guarantee.

 

Course Details

• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.