Some jurisdictions have mandatory minimal insurance coverage that is required on rental cars -- but I don't know offhand about Florida.
But I signed up for Amex's premium rental car coverage. Its a flat fee of $15 or $25 (depending on coverage) and covers up to 30 days, and has no deductible. They charge it automatically when you have a rental car charge hit the Amex (and I may or may not have reserved on the Amex, but changed the card when turning the car in)...
https://www295.americanexpress.com/p...verage/home.do