General Insurance

Florida law states that if you are in the state for over six months of the year, you need to register and tag the vehicle there. To do so, you will require PIP (as Florida is a no-fault state) and liability insurance.

When you're delivering food, you're effectively using your vehicle for a commercial purpose. Most policies do not cover you to do a side job, such as rideshare or food delivery, without a special endorsement.

I would first check to see if his current insurance policy will support you being added as a driver. If not, you may need to get a separate policy that allows you to have a foreign driver's license.

Many insurance policies may cover you in Canada — if it is for short term trips. I would check with your current carrier, but it is likely you'll need to select a Canadian insurance provider if you'll be living there for two years.

I do not know any insurer that offers a temporary suspension of insurance coverage. You could lower all coverages to the state minimum to make it cheaper, but if it is going to be more than a few months you may want to consider suspending the tags and discontinuing insurance. If you discontinue insurance, it will cost more when you get coverage again.

You will both need to be listed on the insurance policy to be eligible drivers. I would put the main policyholder as whoever will be the titleholder and registering the vehicle.

You can still find car insurance without a social security number, but it may be more difficult without a US driver's license. Many insurers will not offer policies for non-licensed drivers.

In short, a non-owners policy is for someone who doesn't drive a vehicle on a normal basis, doesn't own a vehicle, and doesn't have access to one. So if your daughter only rents cars, then non-owners insurance may be a better fit.

As far as I know, there is no way to get rid of the license suspension unless there is a legal loophole. You could always consult a lawyer who specializes in driving records to see if something can be done.

It is challenging to say which insurer would be the best for bundling multiple lines of insurance. Most companies would likely give you multiple policies to cover your vehicles, RV, and homes.