FL S0202

Allows personal lines insurance policyholders to affirmatively elect delivery of policy documents (policies, endorsements, notices) by electronic means instead of mail

Defines "optional coverage" as new insurance coverage not previously requested or approved by the policyholder, excluding changes to base policy, deductibles, or insurance limits

Requires insurers to provide advance written notice of policy term changes, which may be sent with the renewal premium notice or separately within the timeframe required for nonrenewal notices

Mandates insurers provide a sample copy of the "Notice of Change in Policy Terms" to the policyholder's insurance agent before or at the same time the policyholder receives it

Prohibits insurers from using the "Notice of Change in Policy Terms" to add optional coverage that increases premiums unless the policyholder affirmatively approves the addition