Florida Statute 627.401 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.401 Scope of this part.—No provision of this part of this chapter applies to:

(1) Reinsurance.

(2) Policies or contracts not issued for delivery in this state nor delivered in this state, except as otherwise provided in this code.

(3) Wet marine and transportation insurance, except ss. 627.409 and 627.420.

(4) Title insurance, except ss. 627.406, 627.415, 627.416, 627.419, and 627.427.

(5) Credit life or credit disability insurance, except s. 627.419(5).

History.—s. 450, ch. 59-205; s. 1, ch. 70-322; s. 1, ch. 70-371; s. 1, ch. 71-45; s. 163, ch. 73-333; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 358, 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318; s. 19, ch. 2023-15.

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Amendments to 627.401

Annotations, Discussions, Cases:

Cases Citing Statute 627.401

Total Results: 29

Prime Insurance Syndicate, Inc. v. B.J. Handley Trucking, Inc.

363 F.3d 1089, 2004 U.S. App. LEXIS 5504, 2004 WL 575102

Court of Appeals for the Eleventh Circuit | Filed: Mar 24, 2004 | Docket: 212021

Cited 24 times | Published

successfully sues its insurer. 2 Fla. Stat. § 627.401(2), *1092 however, provides a safe

Essex Ins. Co. v. Zota

985 So. 2d 1036, 33 Fla. L. Weekly Supp. 425, 2008 Fla. LEXIS 1112, 2008 WL 2520879

Supreme Court of Florida | Filed: Jun 26, 2008 | Docket: 2518508

Cited 15 times | Published

version is identical in relevant part). [8] Section 627.401, Florida Statutes, the "scope of this part"

United Automobile Insurance Co. v. Salgado

22 So. 3d 594, 2009 Fla. App. LEXIS 10733, 2009 WL 2382408

District Court of Appeal of Florida | Filed: Aug 5, 2009 | Docket: 1639652

Cited 11 times | Published

insurance, except ss. 627.419(5) and 627.428. § 627.401, Fla. Stat. (2003). "It is, of course, a general

Monogram Products, Inc. v. Berkowitz

392 So. 2d 1353

District Court of Appeal of Florida | Filed: Dec 24, 1980 | Docket: 1268185

Cited 10 times | Published

1966); 18 Fla.Jur. Insurance §§ 337-38 (1971); see § 627.401, Fla. Stat. (1979). Hence, the Statute of Frauds

Aetna Life Ins. Co. v. Smith

345 So. 2d 784, 1977 Fla. App. LEXIS 15468

District Court of Appeal of Florida | Filed: Apr 15, 1977 | Docket: 1477957

Cited 10 times | Published

attorney's fee in certain insurance cases, but Section 627.401(2) says that the above provision shall not

Government Employees Insurance Co. v. Grounds

311 So. 2d 164, 1975 Fla. App. LEXIS 13877

District Court of Appeal of Florida | Filed: Apr 16, 1975 | Docket: 1775987

Cited 10 times | Published

which appears in Part II of the Insurance Code. § 627.401, Florida Statutes, provides in part as follows:

Aperm of Fla., Inc. v. Trans-Coastal Maint. Co.

505 So. 2d 459

District Court of Appeal of Florida | Filed: Feb 11, 1987 | Docket: 1500506

Cited 9 times | Published

point out that the following provision of section 627.401 governs part II of chapter 627, in which part

Blue Cross of Florida, Inc. v. Turner

363 So. 2d 133, 1978 Fla. App. LEXIS 16753

District Court of Appeal of Florida | Filed: Sep 1, 1978 | Docket: 1513656

Cited 7 times | Published

an award of attorney's fees was precluded by § 627.401(2) because that subsection limits the applicability

Aetna Life Ins. Co. v. Sievert

361 So. 2d 747, 1978 Fla. App. LEXIS 16479

District Court of Appeal of Florida | Filed: Jun 9, 1978 | Docket: 1288578

Cited 7 times | Published

the policy was delivered in this state. (See F.S. 627.401) The provision for $9,000.00 fees is therefore

East Coast Ins. Co. v. Cooper

415 So. 2d 1323

District Court of Appeal of Florida | Filed: Jun 15, 1982 | Docket: 1512872

Cited 6 times | Published

a judgment in their favor but also, under section 627.401(2), Florida Statutes (1977) to hold a policy

Johnson v. Auto-Owners Insurance Co.

289 So. 2d 748, 1974 Fla. App. LEXIS 8124

District Court of Appeal of Florida | Filed: Feb 14, 1974 | Docket: 1694205

Cited 6 times | Published

delivery in Florida nor delivered in Florida, F.S. § 627.401(2), F.S.A. It is our feeling that the issue of

US Fidelity and Guar. Co. v. Murray

671 So. 2d 812, 1996 WL 123164

District Court of Appeal of Florida | Filed: Mar 20, 1996 | Docket: 476531

Cited 4 times | Published

recovery is had. U.S.F. & G. counters that section 627.401(2), Florida Statutes[1] (1993) precludes any

Sheehan v. Lumbermens Mut. Cas. Co.

504 So. 2d 776

District Court of Appeal of Florida | Filed: Apr 22, 1987 | Docket: 2517963

Cited 4 times | Published

delivered in Florida. We conclude it did. Section 627.401, Florida Statutes (1983), provides, in part:

National Trust Insurance v. Graham Bros. Construction Co.

916 F. Supp. 2d 1244, 2013 WL 68580, 2013 U.S. Dist. LEXIS 1363

District Court, M.D. Florida | Filed: Jan 4, 2013 | Docket: 65987808

Cited 2 times | Published

comply with this statutory provision. Indeed, Section 627.401(2), Florida Statutes, specifically provides

Federal Deposit Insurance v. Verex Assurance, Inc.

3 F.3d 391

Court of Appeals for the Eleventh Circuit | Filed: Oct 1, 1993 | Docket: 64014573

Cited 2 times | Published

enactment of § 635.091 would effectively rewrite § 627.401 to create a new exclusion for this type of insurance

Lopez v. State Farm Mutual Automobile

139 So. 3d 402, 2014 WL 2116366, 2014 Fla. App. LEXIS 7709

District Court of Appeal of Florida | Filed: May 21, 2014 | Docket: 60241091

Cited 1 times | Published

that because the policy was issued in Texas, section 627.401, Florida Statutes negated any claim for fees

Essex Ins. Co. v. Mercedes Zota

466 F.3d 981, 2006 U.S. App. LEXIS 25255, 2006 WL 2847811

Court of Appeals for the Eleventh Circuit | Filed: Oct 6, 2006 | Docket: 398817

Cited 1 times | Published

surplus lines insurers. They cite Florida Statute § 627.401 in support of their position. That section is

Travelers Indem. Co. of Ill. v. Royal Oak Enterprises, Inc.

359 F. Supp. 2d 1321, 2005 U.S. Dist. LEXIS 7133, 2005 WL 627641

District Court, M.D. Florida | Filed: Mar 17, 2005 | Docket: 2337571

Cited 1 times | Published

prosecuting the suit in which the recovery is had. Section 627.401(2) states that the provisions of Part II of

Travelers Indem. Co. of Ill. v. Royal Oak Enterprises, Inc.

359 F. Supp. 2d 1321, 2005 U.S. Dist. LEXIS 7133, 2005 WL 627641

District Court, M.D. Florida | Filed: Mar 17, 2005 | Docket: 2337571

Cited 1 times | Published

prosecuting the suit in which the recovery is had. Section 627.401(2) states that the provisions of Part II of

Perkins v. A. Perkins Drywall

615 So. 2d 187, 1993 WL 53126

District Court of Appeal of Florida | Filed: Mar 2, 1993 | Docket: 1185051

Cited 1 times | Published

even though no Florida decision has done so. Section 627.401, Florida Statutes (1989), provides: Scope of

Lawrence v. Ace Am. Ins. Co.

391 F. Supp. 3d 1077

District Court, M.D. Florida | Filed: Jun 3, 2019 | Docket: 64325403

Published

ACE policy was issued in California. Fla. Stat § 627.401(2). USAA and Lawrence concede that they are not

Zurich American Insurance v. Frankel Enterprises, Inc.

509 F. Supp. 2d 1303, 2007 U.S. Dist. LEXIS 69529, 2007 WL 2719095

District Court, S.D. Florida | Filed: Aug 28, 2007 | Docket: 2325814

Published

rather in New York.[4] DE 1, DE 10, ¶¶ 16. Section 627.401(2) excepts policies not issued or delivered

Royal Surplus Lines Insurance v. Coachmen Industries, Inc.

229 F.R.D. 695, 2005 U.S. Dist. LEXIS 17720, 2005 WL 1668530

District Court, M.D. Florida | Filed: Jul 13, 2005 | Docket: 66023574

Published

attorneys’ fees. Motion at 6-7. Nevertheless, section 627.401(2) plainly limits the subject provision’s scope

Mathason v. American National Life Insurance Co. of Texas

855 So. 2d 261, 2003 Fla. App. LEXIS 14811, 2003 WL 22240354

District Court of Appeal of Florida | Filed: Oct 1, 2003 | Docket: 64825262

Published

obligated to pay attorney’s fees. It relied on section 627.401(2), Florida Statutes (1999), which provides

Federal Deposit Insurance Corp. v. Verex Assurance, Inc.

645 So. 2d 427, 19 Fla. L. Weekly Supp. 593, 1994 Fla. LEXIS 1813

Supreme Court of Florida | Filed: Nov 17, 1994 | Docket: 64752230

Published

from the scope of chapter 627, Part II by section 627.401, we can assume that at least until October

Federal Deposit Insurance v. Verex Assurance, Inc.

795 F. Supp. 404, 1992 U.S. Dist. LEXIS 11207

District Court, S.D. Florida | Filed: May 28, 1992 | Docket: 65979109

Published

conflicts and inconsistencies. For example, section 627.401, titled “Scope of this part,” lists the types

Windward Traders, Ltd. v. Fred S. James & Co. of New York

855 F.2d 814, 1988 WL 91334

Court of Appeals for the Eleventh Circuit | Filed: Sep 22, 1988 | Docket: 66238222

Published

Florida. American Centennial points out that § 627.401(2) of the Florida Insurance Code states that the

Wilmington Trust Co. v. Manufacturers Life Insurance

749 F.2d 694, 17 Fed. R. Serv. 358

Court of Appeals for the Eleventh Circuit | Filed: Jan 3, 1985 | Docket: 66202593

Published

delivery, in the State of Florida. Fla.Stat. § 627.401. Delivery has been defined as “actual physical

Old Republic Life Insurance v. Rucks

363 So. 2d 608, 1978 Fla. App. LEXIS 16505

District Court of Appeal of Florida | Filed: Oct 25, 1978 | Docket: 64566692

Published

attorney's fees. The appellant claims that under Section 627.401(2), Florida Statutes (1975), attorney’s fees

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 627 in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.