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Fla. Stat. § 627.631 (2025)

Third-party ownership.

✓ 2025 Florida Statutes — current through the 2025 Regular Session
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627.631 Third-party ownership.—The word “insured,” as used in this part, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits, and rights provided therein.
History.—s. 574, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 481, 497, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318.
Notes of Decisions
Cited in 2 cases, 1983–1989 · leading case: Life Ins. Co. of Georgia v. Lopez, 443 So. 2d 947 (Fla. 1983).
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Life Ins. Co. of Georgia v. Lopez, 443 So. 2d 947 (Fla. 1983). · cites it 3× “Section 627.631, Florida Statutes (1979), provides: The word "Insured," as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from…”
Brockton v. S. Life & Health Ins. Co., 556 So. 2d 1138 (Fla. 3d DCA 1989). · cites it 2× “It is well established in Florida that the "insurable interest" which is universally regarded as indispensable to the enforceability of an insurance contract, see § 627.631, Fla. Stat. (1987), so as to preclude the existence of a merely betting interest in someone else, see 30…”
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This Florida statute resource is curated by an Orange Park personal injury and workers' comp lawyer, a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). Attorney Syfert regularly handles Chapter 627 matters in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.