How to Properly Determine Homeowners Insurance

Unlocking the Secrets of Florida’s Real Estate License

If you already have a real estate license from another state, here are three options to get your Real Estate license in FL

Option #1 – License Mutual Recognition (Non-Residents Only)

Florida has mutual recognition agreements with 10 states: Alabama, Arkansas, Connecticut, Georgia, Illinois, Kentucky, Mississippi, Nebraska, Rhode Island, and West Virginia. If you hold an active, valid license in good standing from one of these states and you are a non-resident of Florida at the time of application, you can bypass the standard pre-licensing education. To get your equivalent Florida license, you must submit a certified license history from your home state and pass a 40-question Florida-specific real estate law exam with a score of 30 out of 40 (75%) or higher. Note that you are still required to fulfill all subsequent Florida post-license and continuing education requirements.

Option #2 – Using Out-of-State Experience for a Florida Broker License

If your home state does not have a mutual recognition agreement with Florida, you can still use your out-of-state experience to accelerate your career. If you have held an active real estate license for at least 24 months within the preceding 5 years, you fulfill the experience prerequisite to apply for a Florida Broker license. However, you do not bypass testing. You must successfully complete the Florida 72-hour broker pre-licensing education course and pass the comprehensive 115-question Florida State Broker Examination with a score of 75% or higher.

Option #3 – Acquire a Florida Sales Associate’s License

If you do not meet the out-of-state experience requirements, or if you simply prefer to start fresh without the added responsibilities of a broker, you can obtain a standard Florida Sales Associate license. This path requires you to complete the FREC-approved 63-hour sales associate pre-licensing course, pass the course exam with a 70% or higher, and pass the 100-question Florida State Examination with a score of 75% or higher.

Play it Safe in the Sunshine State

Considering Florida’s unique legal environment, completing a Florida-specific pre-licensing course is the best way to protect your business and prevent errors that could lead to disciplinary action by the Florida Real Estate Commission (FREC). No matter what state you come from, real estate laws vary wildly across borders. Treat Florida like a whole new territory when it comes to compliance—it is always better to be safe than sorry! For the official statutory guidelines, you can review Chapter 475 of the Florida Statutes.

Florida Real Estate Sales Associate Pre-Licensing Self Paced Course

$249
  • State Required Education – 63 Hours
  • Images, charts, and examples to make it easy to understand complex concepts
  • End-of-unit quizzes and a practice end-of-course exam reinforce key concepts
  • The practice activities provide an interactive method of concept reinforcement and self-testing
  • Access to Course for 6 Months
  • *We recommend including the Florida Sales Associate Textbook as an additional resource

Florida Real Estate Broker Pre-Licensing

$335
  • The course fulfills your 72 hours of Florida broker relicensing education requirement
  • You will learn helpful information about owning and managing a broker office, including business plans, budgets, and profit and loss statements
  • The course will help you understand difficult concepts in new course videos
  • Access to weekly instructor-led Interactive Study Group

Florida Sales Associate Textbook

$75
  • Florida Real Estate Principles, Practices & Law sets the standard for real estate education in Florida.

Call or text us if you have any questions! 518-855-3680 – Become a Manfred Member Today for 20% OFF FL Sales Associate Pre Licensing Courses

Why Not Start Right? A Complete Real Estate Career Package.

The dynamic world of real estate offers excellent opportunities for income and career growth. Nevertheless, it requires more than just an understanding of the property market. It demands a well-rounded skill set that includes marketing, client relationship management, and resilience in the face of market volatility. To prepare new real estate agents for this daunting challenge, Manfred Real Estate School has innovatively packaged the Career-In-A-Box program. This all-in-one real estate sales and marketing solution revolutionizes the way new real estate agents approach their budding businesses. Fostering independence from Sponsor Brokers and empowering them to take charge of their marketing and client relationships.

Relying on Sponsoring Brokers: What’s the Catch?

We Don’t Just Sell Courses, We Build Careers

5 Steps to Get Your Real Estate License in Florida

Step 1: Complete the 63-Hour Florida Pre-Licensing Course

Successfully completed the state-approved 63-hour Florida Real Estate Sales Associate Pre-License Course. This foundational education covers real estate principles, practices, and Florida license law.

  • The Manfred Advantage: You can complete this entire requirement online at your own pace through our Manfred RELC Online Portal.
  • Florida Bar Exception: If you are an attorney in good standing with the Florida Bar, you are exempt from the 63-hour pre-license course requirement. You can bypass the course by submitting a copy of your current Florida Bar card with your license application, though you are still required to take and pass the state exam.

Step 2: Submit Your Fingerprints and State Application

Before scheduling your exam, you must complete a background check and gain approval from the Florida Department of Business and Professional Regulation (DBPR).

  • Electronic Fingerprinting: Schedule a digital “Livescan” fingerprinting session with an approved vendor at least 5 days prior to submitting your application. Fingerprint vendor fees typically range between $40 and $90. You must provide your Social Security number and the official real estate agent ORI Number: FL920010Z. You can review the state’s instructions on the DBPR Fingerprint Guide.
  • The DBPR Application: Submit your official application online. The current state application fee has been reduced to $62.75. You can create your account and apply directly on the DBPR Online Portal. DBPR application review typically takes between 10 to 30 days.

Step 3: Pass the Florida Real Estate State Exam

Once the DBPR approves your application, the state’s testing vendor, Pearson VUE, will email you an “Authorization to Test” containing your unique 9-digit Candidate ID number.

  • Scheduling: The state examination sitting fee is $36.75 per attempt. You can schedule your testing seat by calling Pearson VUE at 888-204-6289 or by booking online through the Pearson VUE Florida Real Estate Portal.
  • Exam Structure: The test consists of 100 multiple-choice questions covering real estate law (45%), general principles (45%), and real estate math (10%).
  • Passing Score: You must score a 75% or higher to pass.
  • Retake Policy: If you do not pass on your first attempt, you can log back into your Pearson VUE account to schedule a retake as early as 24 hours later. Each subsequent attempt requires an additional $36.75 fee.

Step 4: Access and Download Your License

Upon passing the state exam, your score will automatically synchronize with the DBPR database. You can log into your secure account on the DBPR website to download and print your official real estate license. Your initial license will remain in an “inactive” status and will be valid for a period of 18 to 24 months, depending on the state’s biannual renewal cycle (March 31 or September 30) following your test date.

Step 5: Activate Your License with a Sponsoring Broker

To legally practice real estate in Florida, your license must be shifted to “active” status by aligning with a licensed real estate brokerage.

Your chosen sponsoring broker will officially activate your license by filing the DBPR RE 11–Sales Associate Form online or via paper mail. We highly recommend interviewing multiple brokerages to find the culture, commission splits, and training programs that align with your career goals. For step-by-step guidance on navigating this transition, check out our Real Estate Business Launch Course.

As real estate professionals, it is essential to determine the proper homeowners insurance coverage for our clients. Not only must we make sure that our clients are adequately protected in the event of a disaster, but we must also ensure that they are not overpaying for coverage they don’t need or underpaying for coverage they do. So how can we know that we have recommended the correct insurance policy and amount of coverage? Let’s take a look at what you need to consider when how to properly determine homeowners insurance.

Types of Insurance Policies

The first step when determining homeowners insurance is to understand the different types of policies available. Homeowners insurance typically covers damage caused by fire, lightning, windstorms and hail, theft, frozen pipes and other specified events. Flood insurance covers damage caused by rising water due to floods or coastal storms. It is important to note that flood insurance is separate from homeowners insurance, and most insurers do not cover flood damage under their traditional policies. Homeowners should consult with their insurer or an independent agent to determine if additional flood coverage is necessary.

Calculating Coverage Amounts

Once you have determined which type of policy is needed for your client’s home, the next step is to calculate the correct amount of coverage needed. To do this accurately, you must consider both the dwelling limit and personal property limits on the policy. The dwelling limit represents the maximum amount your insurer will pay out in case of total loss due to an insured event such as a fire or tornado. The personal property limit indicates the maximum amount your insurer will pay out for damages related to personal belongings kept inside the home such as furniture and electronics. You should advise your clients on calculating their own dwelling and personal property limits based on their individual circumstances so that they are neither over- nor under-insured.

Insurance Carriers

When selecting an insurer for your client’s home, it is important to research multiple carriers in order to obtain fair and equitable treatment in obtaining appropriate coverage at competitive rates. Independent agents can be especially helpful in this process as they have access to products from multiple carriers. Allowing them to compare quotes side-by-side and recommend a policy best suited for each client’s individual needs and budget constraints. Additionally, independent agents can provide valuable guidance regarding which discounts may be available. So that our clients get the best possible value on their premiums each year.

In Conclusion

When it comes down to it, there are many factors involved in how to properly determine homeowners insurance. Understanding what types of policies are available all the way through selecting a carrier offering competitive rates with discounts applied where applicable. As real estate professionals, it is our responsibility to ensure that our client’s homes are adequately covered while also providing them with fair treatment throughout every step of this process—from selection through renewal each year. Taking these steps will help us guarantee that our clients receive all possible protections offered by their chosen policy. While avoiding unnecessary costs associated with over insuring or underinsuring their homes.

Learn hands on from Doug Vairo, Manfred Certified Instructor. Since 1998, he has trained thousands of loan officers and real estate agents around the country. Doug has trained for companies such as, Countrywide, Capital One, Wells Fargo, Morgan Stanley, Exit Realty, Brooklyn Real Property, Staten Island Board of Realtors, Brooklyn Board of Realtors, Bronx Board of Realtors, Triple Play and countless other organizations. Join Doug on March 29th and July 28th . Look for the tips that Doug spreads out in this course about how to properly determine homeowners insurance. Some are silly, some may be funny, but all will help you understand the subject on a deeper level.

Why just get your real estate license in FL, when you can get so much more?

” One of the first paths to success is the opportunity to learn. The Manfred family has perfected the methods to learn the business of real estate. As someone who has struggled with classrooms his entire life, attending MRELC was comfortable, exciting but most importantly, a great way to learn. Thanks again!!” – William W

How to Get a Florida Real Estate License: Requirements, Courses, and Career Tracks

Are you ready to embark on an exciting journey toward obtaining your real estate license in Florida? Look no further than Manfred Real Estate Learning Center! Our comprehensive education programs, experienced instructors, and proven track record of success make us the premier choice for aspiring real estate professionals.

Whether you are looking to become a Florida Real Estate Sales Associate, Broker, or a Certified School Instructor, we have the resources, online flexibility, and professional support you need to achieve your goals.

Florida Real Estate Education Requirements Explained

Before diving into the specific steps for each license type, it is essential to understand the overarching regulatory framework set by the state. The Florida Real Estate Commission (FREC) mandates that all licensing candidates complete a specific number of state-approved pre-licensing education hours. This foundational knowledge ensures you are legally compliant, competitive, and well-equipped to excel in the marketplace.

1. Florida Real Estate Sales Associate Requirements

To kickstart your career as a licensed Sales Associate, you must complete the state-mandated educational foundations.

  • Pre-Licensing Coursework: You must complete a FREC-approved 63-hour sales associate pre-licensing course. This comprehensive program covers essential topics such as real estate principles, modern property practices, and Florida-specific license law. You can complete this requirement entirely online via our Manfred Florida Sales Associate Course Portal.
  • The State Examination: After passing your course final exam, you must register for and pass the 100-question Florida Real Estate Sales Associate State Exam administered by Pearson VUE, scoring a 75% or higher.

2. Florida Real Estate Broker Requirements

If you are ready to manage an office, hire agents, or operate an independent brokerage firm, the Florida education and experience requirements become more advanced.

  • Experience Prerequisite: You must demonstrate at least 24 months of active real estate experience as a licensed sales associate within the preceding 5 years. This experience can be gathered in Florida or any other U.S. state.
  • Pre-Licensing Coursework: Candidates must successfully complete a state-approved 72-hour broker pre-licensing course. This advanced curriculum deepens your knowledge of escrow account management, investment analysis, and business operations. 
  • The State Examination: Broker candidates must submit a completed application to the Department of Business and Professional Regulation (DBPR) and pass the comprehensive 115-question Florida Real Estate Broker Examination.

3. Florida Real Estate School Instructor Requirements

Becoming an educator allows you to shape the next generation of real estate professionals. Under Florida law, there are multiple paths to qualify as a certified school instructor.

  • Experience or Education Prerequisites: To qualify, you must fit into one of the following categories:
    • Hold an active, valid Florida real estate broker’s license for at least 24 months out of the preceding 5 years.
    • Hold a valid bachelor’s degree in a business-related field from an accredited college or university.
    • Possess extensive lawful real estate experience or alternative educational backgrounds approved by FREC.
  • The State Examination: Unlike standard licenses, instructor candidates must take and pass the dedicated Florida Real Estate Instructor Examination. Our targeted Manfred Instructor Prep Programs are designed to help you navigate this rigorous regulatory assessment and establish yourself as a respected industry educator.

Why Choose Manfred Real Estate Learning Center?

Pursuing your real estate license is a significant investment in your career trajectory. At Manfred Real Estate Learning Center, we eliminate scheduling and financial barriers by offering competitive tuition pricing, flexible learning tracks, and state-of-the-art online learning options to seamlessly fit your busy lifestyle. Discover the difference that real-world business tools and dedicated support can make for your professional growth.

Frequently Asked Questions (FAQs)

Q: How long does it take to get a real estate license in Florida?

A: Your timeline depends entirely on the study format you choose. If you take an accelerated online course, you can complete the required 63 hours of education in less than two weeks. On average, most students complete their education, background checks, and state testing within 4 to 6 weeks.

Q: Can I take real estate classes online in Florida?

A: Yes. The state of Florida permits all pre-licensing, post-licensing, and continuing education courses to be completed via distance learning, provided the school is fully approved by FREC. Online courses offer the highest level of flexibility for working professionals.

Q: What are the benefits of obtaining a real estate license in Florida?

A: Earning your license opens up a wealth of career opportunities in one of the most active, high-volume real estate markets in the country. Industry professionals enjoy independent schedules, unlimited entrepreneurial earning potential, and the rewarding ability to guide clients through major life transitions.

Q: How much does it cost to get a real estate license in Florida?

A: The total start-up cost typically ranges between $400 and $600. This estimate includes your state-approved pre-licensing tuition, the mandatory fingerprinting background check fee (approx. $40–$90), the official DBPR state application fee ($62.75), and the Pearson VUE testing seat fee ($36.75).

Q: Do I need a real estate license to flip houses in Florida?

A: No, a license is not legally required to purchase, renovate, and sell your own personal property. However, holding a license grants you direct MLS access, deepens your understanding of contractual law, protects you from regulatory missteps, and allows you to pocket the commission savings on your own real estate transactions.

Q: What is the pass rate for the Florida real estate licensing exam?

A: The state exam is intentionally comprehensive, and average first-time pass rates across the state typically hover around 50% to 55%. Enrolling in a high-caliber program like Manfred Real Estate Learning Center and utilizing our targeted exam prep tools significantly increases your probability of passing on your very first attempt.

22.5-hour New York State–approved continuing education course New York

By |March 7th, 2026|Categories: Approved Continuing Education, Commercial Real Estate, Continuing Education, NYC Real Estate, Real Estate, Real Estate Salesperson|Tags: , , , |

22.5-Hour New York State–Approved Continuing Education Course in New [...]

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