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Car

Auto Insurance policy is purchased for cars, trucks, and other vehicles. Its primarily use to provide protection against losses as a result of traffic accidents and against liability that is necessary in an accident.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to your vehicle or theft.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Auto policies may change the premium depending on the location of your home, drivers age, and if you have multiples accidents or violations. If you’re financing a car, your lender may also have different requirements that will affect your premium. Most of auto policies are for six months or a year. Your insurance company will notify you by mail or email when it’s time to renew your policy.

Having the right car insurance is essential because it will cover your expenses in the event of vehicle damage or injuries to other drivers, passengers or pedestrians. All motorists must be insured against their liability to other people.

Your Agent will guide you on the research for the auto insurance that meets your specific needs. Below are few things to consider when purchasing an Auto Policy;

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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Home

Homeowners insurance provides protection to your property from named perils, including natural disasters such as: Hurricane, Fire, Windstorm and many others. The state of Florida offers many options of coverage available home owners, the premium of these policies could vary depending on the location, type of usage and age of the dwelling. This are the most common factors.

The home insurance will provide the coverage for the Dwelling in replacement cost, contents, loss of use and personal liability as well.

Although Homeowners insurance is not mandatory in Florida, this policy is highly recommended especially due to Hurricane Season and the increasing of Fire and theft claims.

Damage caused by most disasters are covered but there are exceptions. Incidents caused by flood will not be covered on your homeowner’s insurance policy. You must purchase a separate policy for flood in order to keep your home protected. Maintenance-related problems will be at the homeowners’ expense.

It’s all about providing peace of mind to You and your Family. Because your home is your largest investment.

  • It is important to know that homeowner’s insurance is meant to cover unexpected damages not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Here are few things to ask your agent that will impact at your Home Insurance Policy.

  • How much will it cost to rebuild my property and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home insurance policy features and the items you own so you can be informed about your coverage.)
  • What discounts are available? (Ask about multiple policies, security system.)
  • What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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Life

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

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Journey

Whether you’re headed to trip of a lifetime or home for the holidays, go with peace of mind with our insurance.

Simply choose the perfect travel insurance plan from one of our trusted providers. Customer ratings and reviews make the decision easy.

And together with your go-to customer service representative, you can quickly answer questions (including the best time to buy a plan, so you get the most from your coverage) and get what you’re entitled to if you have a claim.

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Renters

HO-4 insurance, commonly referred to simply as renter’s insurance, is an insurance policy that covers tenants from loss of personal property. It does not cover the actual house or apartment that is being rented; that property is covered by the landlord’s insurance policy. Renters insurance also covers you in case of damaging third parties at your location.

Premium for this policy is usually very affordable, depending on the amount of coverage you need for your contents, minimal coverage is $20,000. This policy is highly recommended to all tenants due to the increase of burglar and fire incidents happening in Florida.

For your best interest we’ll recommend creating a personal inventory that will make filing a claim easier for you. For an inventory, also take pictures of your belongings, keep receipts or copies.  Place a copy of the inventory in safe place.

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Motorcycle

You’ll enjoy being out on the open road even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider;

Yes, it generally is, for the simple reason that it’s much riskier to drive a motorcycle. The vehicle may cost less than a traditional car but that has almost no bearing on the likelihood on an accident, which is much greater in the case of a motorcycle.

In traditional car insurance terms, liability coverage pertains to coverage extended to other people in your car and it’s almost always mandatory. The thinking is that some passengers lack medical insurance and the national economy needs to be protected from injured folks who can’t pay their medical bills.

Liability coverage for motorcycle drivers is more optional; it’s called guest passenger coverage, and if you truly believe you will never have any passengers on your back then it could be a way to save money on insurance. We don’t recommend excluding this coverage, but it’s the customer choice.

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Watercraft & Boat

You’ll enjoy the water even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you’re in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Your watercraft also needs protection when it’s on land. Accidents can happen while towing a watercraft.
  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What’s the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Here are a few things to consider as you prepare for the discussion:

The personal watercraft policy covers:

bodily injury, property damage, guest passenger liability, medical payments, theft.

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Recreational Vehicle

Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn’t mean they don’t need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities.

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

After you’ve considered the potential liabilities you are exposed to while operating a recreational vehicle, it’s time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.

In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.

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Flood

There’s something you should know: Flood losses are not included at your homeowner’s insurance policy. Floodwaters have the power to damage not only your home but also your financial future. How can you protect your most important investment in case of flooding?

  • Contact your agent to verify if your home is in a Flood Zone or not. If the home is in a flood zone, you’ll need to obtain an Elevation Certificate that will have all the necessary information in order to provide your quote, keep in mind that this certificate will be at the homeowner’s expenses. If your home is financed this coverage will be mandatory by the lender.

And if the home is not in a flood Zone this coverage will be optional. But is well recommended to protect your home.

Page Link from FEMA. Helpful tool to be showing on the website. In case if the link doesn’t work below is the page https://agents.floodsmart.gov/getting-started/the-risk-of-not-being-insured

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