Florida Statute 627.454 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.454 Entire contract; statements in application.—Every insurance contract shall provide that the policy, or the policy and the application therefor if a copy of such application is endorsed upon or attached to the policy when issued, shall constitute the entire contract between the parties, and that all statements contained in the application shall, in the absence of fraud, be deemed representations and not warranties.

History.—s. 481, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 381, 404, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318.

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Amendments to 627.454

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Cases Citing Statute 627.454

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Stone v. Jackson Nat'l Life Ins. Co., 934 So. 2d 532 (Fla. 3d DCA 2006).

Published | Florida 3rd District Court of Appeal | 2006 Fla. App. LEXIS 3236, 2006 WL 544542

...atutory language). For example, section 627.453, one of the enumerated sections, states that “[ejvery insurance contract shall provide that the insured is entitled to a grace period.... ” § 627.453, Fla. Stat. (1999)(emphasis added). Similarly, section 627.454 states that “[ejvery insurance contract shall provide that the policy ... shall constitute the entire contract between the parties.” § 627.454, Fla....

...the policy.” § 627.462, Fla. Stat. (1999)(emphasis added). The language of section 627.462 mandates that a table providing for the amount and period of installments be included in the policy. Thus, if this section, along with sections 627.453 and 627.454 were not included in the policy, we would be required to read the policy in a way which brought it in conformity with these statutes....

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.