Relocating to Florida can be exciting, but it requires careful planning to ensure everything goes smoothly.
Whether you’re moving to enjoy the sunshine or benefit from the tax advantages, there are several key tasks to complete before, during, and after your move.
Here’s a 12-step checklist to help you stay organized and make the transition as seamless as possible.
1. Get Your Taxes Sorted
One of the biggest draws to moving to Florida is its lack of state income tax, which can make a noticeable difference in your paycheck compared to states with higher taxes.
However, you should consult with a tax professional to ensure a smooth transition. If you’re moving from a state with an income tax, you’ll need to file a final return for that state and properly handle your federal taxes.
A tax expert can also help you understand the implications of Florida’s other taxes, such as sales tax and property tax, and provide advice on tax planning for the future.
2. Purchase Homeowner’s Insurance
While Florida doesn’t require homeowner’s insurance unless you’re financing your home, it is highly recommended, especially considering the state’s vulnerability to natural disasters like hurricanes and tropical storms.
A comprehensive homeowner’s policy will typically cover storm damage, fire, theft, and personal liability.
Be prepared for higher insurance costs in Florida compared to other states, as Florida is a high-risk area for certain types of natural disasters.
You can consult with your real estate agent to find reputable insurance providers and get quotes.
3. Update Your Address
Updating your address is a critical step in ensuring that your important mail reaches you in a timely manner.
Begin by updating your address with USPS at least one to two weeks before your move-in date. This ensures you won’t miss any important correspondence.
Additionally, don’t forget to notify other key parties, such as your employer, bank, credit card companies, utilities, subscription services, and the IRS.
You may also want to notify your family and friends of your new address and update your address on social media and professional networks, like LinkedIn.
4. Get a Florida Driver’s License
Moving to Florida means you’ll need to obtain a Florida driver’s license within 30 days of establishing residency.
This requires a visit to the Florida Department of Highway Safety and Motor Vehicles (DHSMV), where you’ll need to provide proof of your identity, Social Security number, and Florida address.
A vision test will also be required, and you’ll need to pay a fee. If your current license is from another state, you may be able to transfer it without taking a road test.
Make sure to check if your current license needs to be surrendered when you apply for your Florida license.
5. Register Your Vehicle(s)
To legally drive your vehicle in Florida, you must register it within 10 days of establishing residency.
You’ll need to bring your Florida driver’s license, proof of car insurance, and your vehicle title (or lease agreement) to the DHSMV.
In some counties, you may need to complete an emissions test before registering your vehicle. Depending on your vehicle’s weight and model, you’ll also have to pay a registration fee.
Be aware that Florida’s auto insurance requirements may differ from those in your previous state, so make sure your policy meets Florida’s standards.
6. Register to Vote
Florida is a swing state, and your vote matters! When you go to the DMV to get your Florida driver’s license, you can also register to vote.
You’ll need to provide your Florida driver’s license and complete a voter registration form. Make sure to check your eligibility to vote, including residency and age requirements.
Once you’re registered, you’ll be able to vote in local, state, and federal elections. You can also update your voter registration if you’re moving within the state but not changing counties.
7. Enroll Your Children in School
If you have school-age children, enrolling them in school is a priority. Florida operates on a district-based system, so your child will attend a public school within the school district corresponding to your new address.
Research the best schools in your new area ahead of time, and contact the district to get specific information about the enrollment process.
You’ll typically need to provide proof of your new Florida address, your child’s birth certificate, medical records, and previous school records.
If you’re moving mid-year, try to register your child as early as possible to ensure a smooth transition.
8. Notify or Change Health Insurance
Health insurance coverage may not transfer automatically when you move to Florida, so it’s important to review your plan ahead of time.
If your current insurance provider operates in both your old state and Florida, simply notify them of your address change.
However, if your plan is not available in Florida, you’ll need to find a new provider. Explore options through the Health Insurance Marketplace or check with your employer if they offer group health plans.
Be sure to notify your old provider of your moving date and any changes to your coverage, such as network changes or premium adjustments.
9. Find New Doctors
Your health care providers won’t necessarily follow you when you move, so it’s important to find new doctors and specialists in Florida.
Start by asking for recommendations from your real estate agent or neighbors. You can also consult your health insurance provider to find in-network doctors in your new area.
Florida’s Department of Health can also be a useful resource for finding medical professionals.
To make the transition smoother, gather your medical records from your previous doctors and bring them to your new providers.
10. Set Up Your Utilities
Setting up utilities in your new Florida home is essential for a comfortable move-in experience. Depending on your location, you’ll need to arrange for water, electricity, gas, internet, and waste management.
Your real estate agent or landlord should provide you with the contact information for utility providers in your area.
Be sure to schedule the services to begin before your move-in date, especially for essential services like electricity and water.
Double-check whether any utilities are included in your rent or HOA fees, particularly if you’re renting or moving to a condo.
11. Choose a Moving Company
If you’re moving long-distance to Florida, it’s advisable to hire a professional moving company to handle the heavy lifting.
Start by getting quotes from companies that specialize in interstate moves. Ask about their experience, insurance coverage, and any additional services they offer, such as packing, unpacking, or storage.
Make sure to inquire about their procedures for handling fragile or high-value items, and get a written contract detailing costs and services.
If you prefer a DIY move, consider renting a truck and hiring local labor to assist with loading and unloading.
12. Connect with Your Community
Getting involved in your new community can make your transition to Florida more enjoyable. Before you move, join Facebook groups, Meetup events, or local organizations to meet new people and get recommendations.
Connecting with locals can help you learn about the best restaurants, schools, healthcare providers, and recreational activities.
Look for community events, volunteer opportunities, or local clubs that align with your interests.
Establishing a network of friends and acquaintances in your new area will help you feel more at home and make settling into Florida easier.
Alicia Richards