Thinking about relocating to the Sunshine State? Moving to Florida offers plenty of perks, sunny weather, no state income tax, and beautiful beaches, but there are several essential steps to take before making the big move.
From updating legal documents to finding new healthcare providers, getting everything in order can make your transition smoother and stress-free.
In this guide, we’ll walk you through the 12 most important things to check before moving to Florida, so you can start your new chapter fully prepared and confident.
1: Get Your Taxes Sorted
One of the most significant advantages of moving to Florida is the absence of a state income tax, which can lead to a considerable increase in take-home pay for individuals relocating from states with such taxes.
This financial benefit is a primary reason many people choose to move to the Sunshine State. However, if you are unfamiliar with tax filing procedures, it’s highly advisable to hire a professional to assist you.
Ensure this expert is knowledgeable about tax laws in both Florida and your previous state to guarantee a seamless financial transition. Sorting out your taxes upfront can prevent complications and maximize your savings.
2: Purchase Homeowner’s Insurance
While homeowner’s insurance is not legally required if you purchase a Florida home outright, banks typically mandate it as a condition for a mortgage.
Nevertheless, securing homeowner’s insurance is a prudent decision. This coverage can protect you financially from various damages, including those caused by hurricanes, tropical storms, fires, and tornadoes.
It also covers personal property damage and provides liability coverage if someone is injured on your property.
Be prepared for potentially higher premiums, as Florida homeowner’s insurance costs about three times the national average. Your real estate agent can offer recommendations for providers.
3: Update Your Address
A crucial step is to update your address with USPS one to two weeks before your Florida move-in date. However, changing where your physical mail arrives is only one part of the process.
You must also notify numerous other entities about your new address. This includes your employer, banks and lenders, credit card companies, the Social Security Administration (SSA), and the Internal Revenue Service (IRS).
Additionally, remember to inform all your insurance companies and any subscription services you use. Completing these updates ensures you don’t miss important communications and services.
4: Get a Florida Driver’s License
Upon moving to Florida, you have 30 days to obtain a Florida driver’s license. Unlike some tasks, this requires an in-person visit to the Department of Motor Vehicles (DMV), which can be an inconvenience.
Generally, you will need to complete paperwork, pass a vision test, and pay a fee. While it’s not always necessary, be aware that you might be required to take a written or road test under specific circumstances. Planning your DMV visit efficiently can help you fulfill this requirement promptly.
5: Register Your Vehicle(s)
Florida law mandates that you register your vehicle(s) within ten days of establishing residency in the state. This deadline also applies if you begin employment in Florida before making a permanent move.
A prerequisite for vehicle registration is having a Florida driver’s license. To prepare for the registration process, gather essential documents such as proof of car insurance and your vehicle title.
Depending on the district, you might also need an emissions test. A fee, determined by your vehicle’s model and weight, will also be required.
6: Register To Vote
Registering to vote in Florida can be conveniently combined with obtaining your Florida driver’s license. You can often register to vote at the DMV office on the same day you apply for your driver’s license.
This makes it a “two-for-one” task, simplifying the process of becoming an active participant in your new community’s civic life.
The items you’ll need to complete your voter registration include your Florida driver’s license and a completed voter registration form. This integration helps streamline the essential steps for new residents.
7: Enroll Your Children in School
Enrolling your children in school should be a top priority, regardless of whether you’re moving during summer break or mid-school year.
While each school’s enrollment process may vary, you will typically need to provide proof of your new Florida address to register your child in the school district.
Unlike some states where addresses directly determine the school within a county, Florida public schools operate on a zone system, with each county managing its own school district.
It’s beneficial to have researched school districts before your move, and your real estate agent or the school itself can provide necessary paperwork details.
8: Notify or Change Health Insurance
Your health insurance situation depends on your current provider’s operations in Florida. If your existing insurance company covers both your previous state and Florida, simply notify them of your address change and inquire about any adjustments to your monthly premium.
However, if your current plan does not operate in Florida or your specific new area, you’ll need to notify your current insurer of your last coverage date and then find a new health insurance company for Florida coverage.
If you receive subsidized health insurance through the Affordable Care Act, remember to update the Health Insurance Marketplace about your address change.
9: Find New Doctors
Regardless of your health insurance circumstances, it is vital to find a new primary care doctor in Florida, along with any necessary specialists.
There are several effective avenues for finding healthcare providers. You can ask for referrals, with your real estate agent often being a good starting point.
Consulting with your new insurance company is another practical option. Additionally, you can check the Florida Medical Association’s list or read online reviews, though it’s advised to take online reviews with a grain of salt.
10: Set Up Your Utilities
To ensure your new home is ready for occupancy, you’ll need to set up essential utilities. Your real estate agent or your condo/apartment complex can be excellent resources for identifying the utility company options available in your specific local area.
The utilities you’ll typically need to arrange or confirm if they are included in your living situation are water, electricity, gas, internet, and waste management. Confirming these services in advance will help you settle in comfortably without interruption.
11: Choose a Moving Company
Moving your belongings across state lines to Florida, especially to the warmer southern regions, makes using a moving company a practical choice.
Whether you decide to rent a truck and move yourself or hire a professional company, the initial step is to confirm that the company is authorized and willing to cross state borders.
It’s crucial to ask several questions to ensure a reliable service. Inquire about their methods for packaging fragile items and their policy if items break or get lost during shipping.
Also, ask about their insurance coverage, specifically what is and isn’t covered, their experience level, and any additional services they offer, such as unpacking or storage.
12: Connect With Your Community
While connecting with your community might seem low on your priority list amidst moving preparations, it offers invaluable insider knowledge.
Locals can provide insights on topics such as the reputation of different schools, the most reliable WiFi providers, or even recommendations for a trusted local CPA.
Facebook and Meetup groups are excellent platforms for meeting people in your new community before you even arrive.
Additionally, consider getting in touch with a local organization that supports a cause you care about. Building these connections early can significantly enhance your transition and understanding of your new home.
Alicia Richards