The Florida Highway Safety and Motor Vehicle site only notes -
“Non-Resident
The vehicle you own must have a Florida registration and license plate and be insured with a Florida policy when a non-resident:
accepts employment or engages in a trade, profession or occupation in Florida; or
enrolls children to be educated in a Florida public school.
You must obtain the registration certificate and license plate within 10 days after beginning employment or enrollment. You must also have a Florida certificate of title for your vehicle unless an out-of-state lien holder/lessor holds the title and will not release it to Florida.”
There is nothing on their site that addresses out of state cars needing any special insurance or any limit on the number of days someone who vacations in Florida (aka snowbirds) can stay before having to insure their car thru a florida company. It is true that some insurance websites claim otherwise but that is not supported by the law.
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