Florida § 627.9904 - Term of insurance policy.
Full text of Florida Florida Statutes § 627.9904 — Term of insurance policy., with citation guidance and answers to common questions.
§ 627.9904. Term of insurance policy.
(1) Collateral protection insurance must become effective no earlier than the date of lapse of insurance upon mortgaged real property subject to the terms of a mortgage agreement or any state or federal law requiring the same. (2) Individual collateral protection insurance must terminate on the earliest of the following dates: (a) The date on which insurance acceptable under the mortgage agreement becomes effective, subject to the mortgagor providing sufficient evidence of such acceptable insurance. (b) The date on which the applicable real property no longer serves as collateral for a mortgage loan pursuant to a mortgage agreement. (c) Such other date as specified by the individual policy or certificate of insurance. (d) Such other date as specified by the lender or servicer. (e) The termination date of the policy. (3) An insurance charge may not be made to a mortgagor for collateral protection insurance before the effective date of the collateral protection insurance or for a term longer than the scheduled term of the collateral protection insurance.
Source: official Florida text · Last verified 2026-08-27
Frequently Asked Questions About Florida § 627.9904
What does Florida Statutes § 627.9904 cover?
Section 627.9904 ("Term of insurance policy.") is part of the Florida Statutes, the codified statutory law of Florida. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Florida § 627.9904?
A common citation format is "Florida Statutes § 627.9904" (Florida). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Florida law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Florida official source linked on this page or consult a licensed Florida attorney.
How does Florida § 627.9904 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Florida can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Florida.