7 Big Mistakes People Make When Moving to Florida (And How to Avoid Them)

The dream is easy to picture—sunshine, beaches, and that flip-flop lifestyle. The reality? Not always so simple.

Every year, I meet people who move to Florida full of excitement and end up feeling stuck or overwhelmed. It’s not because Florida isn’t amazing—it’s because they weren’t ready for what living here really means.

Here are the seven mistakes I see most often, and how to avoid them.

1. Thinking vacation life = everyday life
Vacations are easy. Real life takes planning. The heat and humidity surprise a lot of newcomers, especially from up north. Adjust your schedule—mornings and evenings outside, mid-day inside. Build a real routine and community, not just a beach mindset.

2. Ignoring the true cost of living
Everyone loves that Florida has no state income tax, but it’s not a free pass. Home, car, and flood insurance can be shockingly high. Summer power bills spike, and property taxes reset after a sale. Always run full cost estimates before you buy.

3. Picking the wrong neighborhood
A beautiful home in the wrong area can make daily life miserable. Look beyond the house: schools, commutes, local rules, and neighborhood noise matter more than granite countertops. Visit at night, on weekends, and during rush hour.

4. Skipping hurricane prep and insurance gaps
Even if you’re inland, you’ll face heavy rain and storms. Get flood insurance, even if your lender doesn’t require it. Have a basic hurricane kit and know your evacuation route.

5. Not reading HOA or condo rules
Those glossy communities come with fine print. Trucks, pets, rentals, even Christmas lights—everything might be regulated. Read all documents, ask about CDD fees, and request meeting notes to see what’s coming.

6. Misjudging the weather, bugs, and lifestyle
Florida has two seasons: hot and hotter. Learn to work around it. Bugs are part of life, but manageable with good screens and pest service. And the real secret to happiness here? Plug into your community early.

7. Not planning healthcare and insurance
Make sure your doctors are covered and hospitals are nearby. Check your auto insurance for uninsured driver protection. Update your coverage yearly and keep a photo inventory of belongings.

The takeaway:
Florida isn’t about regrets. It’s about wins—if you plan wisely.

Before you move, grab my free Sunshine State Handbook. It includes checklists, relocation tips, and guidance to help you find your best fit here in the Sunshine State.

📘 Download the Sunshine State Handbook
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