The Benefit of Florida Homeowners Insurance

Homeowners insurance is extremely important for those who own a home or a dwelling.  With the use of Florida homeowners insurance, individuals are provided with the opportunity to protect their homes in the event of an emergency.  As a homeowner, you undoubtedly want to protect yourself, your family, and your belongings. Florida homeowners insurance provides you with the opportunity to do so.  There are a variety of different insurance policies offered to clients who are interested in Florida homeowners insurance.  Below are the benefits associated with Florida homeowners insurance and how it can help you to protect yourself, your home, your family, and your belongings.

Protecting your Investments

One of the largest benefits associated with getting Florida homeowners insurance is that it helps you to protect your investments.  Your home is one of the largest investments that you will ever purchase, therefore it is imperative that you have a “safety net” surrounding the entirety of your house.  Also, the belongings within your home can sometimes be classified as investments as well. Rather than having your home destroyed due to outside circumstances, Florida homeowners insurance ensures that everything within your home is protected.  Considering that the vast majority of house repairs are generally expensive, you will want to make sure that you have the finances from an insurance company available to help you pay for the repairs.

Low Monthly Premiums

In comparison to other types of insurance, Florida homeowners insurance is relatively inexpensive.  With the opportunity to pay low monthly premiums, you will be acquiring a lifelong amount of comfort for one small price.  This can be beneficial for those who are looking to save money but still be protected by insurance. Finding the right Florida homeowners insurance company to protect you for the least amount of money possible will help you greatly.  While you are shopping for insurance companies, ensure that your selected policy gives you everything that you want for a price that you can agree on.

Eliminating Stress

One of the largest benefits associated with getting Florida homeowners insurance is that it helps to eliminate an ample amount of stress that you otherwise would experience without it.  If you are a traveller, or if you spend the majority of the day at work, you may worry about your home when you are not around.  With the use of Florida homeowners insurance, your home will be protected 24 hours a day, 7 days a week, in the event of an emergency.  Diminishing worries and stress will provide you with the opportunity to live a happier life. As previously mentioned, it is imperative to ensure that your policy covers all areas that you are worried about.

Florida homeowners can provide you with the opportunity to protect your home, yourself, your family, and your belongings.  In the event of an emergency, you can rely on your team of insurance professionals to take care of the financial and legal issues associated with repairing your home.  As one of the most important aspects of everyday life, ensure that you find an insurance policy as quickly as possible.

Categories: Insurance

Florida Car Insurance Options

Florida has mandatory minimums for the amount of personal injury and property damage coverage you must purchase if you want to operate a motor vehicle in the state. Almost all Florida car insurance companies offer many other types and amounts of optional coverage you can add to your policy to make driving more worry-free.

What Other Coverage Can I Get?

Here’s a list of the types of optional coverage you can get for Florida car insurance:

  • Collision: If you’re involved in a motor vehicle accident, this coverage will pay for damage to your car. Your mandatory insurance will only pay for damages to someone else’s property.
  • Comprehensive: True to its name, comprehensive insurance covers a wide range of damage to your car that is not the result of an automobile accident. Things like broken glass or vandalism are covered by comprehensive coverage. Comprehensive coverage does not pay for maintenance or repairs due to normal wear and tear on your vehicle, however.
  • Uninsured or underinsured motorist: If you are involved in an accident with another motorist who is not insured, or whose insurance is insufficient to cover the types and amounts of losses you have suffered, this coverage will pay the difference up to the amount of your policy.
  • Towing and labor: When you’re involved in an accident that results in your car being disabled, this coverage will pay for the tow truck to get your auto to the repair shop, including charges for the operator of the tow truck.
  • Rental car coverage: If your car is disabled for a substantial period of time due to a covered accident, this will pay for the cost of a comparable rental vehicle until your car is repaired or replaced.

Florida law only requires personal injury and property damage policies with very low minimum coverage to allow you to drive a car; however, if you borrow money to finance the purchase of your car, your bank will almost certainly require you to cover your car for collision and comprehensive to get your loan.

Additional Coverage For Florida Car Insurance

The purpose of no-fault car insurance is to make sure that insurance companies don’t have to sue one another after an accident to determine who will pay a claim. If blame had to be assigned to one party in a car accident, your claim could be held up indefinitely while law enforcement, the courts, and insurers determine who was at fault and in what proportion.

No-fault auto insurance laws order that insurers pay their own customers after an accident or other loss without delay. However, it is possible for another person to sue you after an accident to try to recover additional money, usually in the case of a death or severe injury or a large property loss. That’s where Bodily Injury Liability insurance comes in.

Optional Bodily Injury Insurance

A Bodily Injury Liability rider on your policy will protect you from having to pay judgments against you if you’re sued after an accident and found to be at fault. This liability insurance pays damages to the victims of the crash up to the limit of your policy, and can even pay for a lawyer to represent you during any court proceedings against you.

Other Mandatory Coverage You Might Have To Purchase

Your driving history can affect the amount and kinds of coverage that Florida requires you to carry to drive. If you’ve had your driver’s license suspended for traffic violations, your license is suspended more than once, or you have a history of car accidents that cause property damage, the state can require you to purchase Bodily Injury coverage in order to drive. Convictions for driving while under the influence of alcohol or drugs can also trigger a requirement for additional insurance. What are you waiting for? Get Florida car insurance today.

Categories: Insurance

Critical factors when purchasing Florida motorcycle insurance

Even though it seems like purchasing Florida motorcycle insurance is just about the exact same process as purchasing automobile insurance in the state of Florida, nothing could be further from the truth.

Sure, these two critical automotive insurance policies share a lot of similarities between one another – but you need to be pretty smart and savvy about investing in high quality Florida motorcycle insurance, especially if you haven’t purchased this kind of policy in the past.

And while there are all different kinds of things you want to focus on before you sign on the dotted line, here are some of the most important factors to look at well before you purchase Florida motorcycle insurance.

The best price is not always the best decision

It’s tempting to try and shop around for the lowest possible prices on your motorcycle insurance, but it may not always be the smartest decision to make.

There is a real fine line between purchasing motorcycle insurance that you can afford and purchasing motorcycle insurance that strips you of the complete and comprehensive coverage you need in the event of a catastrophe or accident – and you need to straddle that line as closely as you can.

Make sure that you’re not sacrificing critical parts of coverage to save just a couple of dollars every month. It’s just not worth it.

Only worked with reputable companies

Secondly, you’re going to want to make sure that you are only purchasing Florida motorcycle insurance from reliable and reputable companies that have an established position in the motorcycle insurance world.

There are a lot of fly-by-night operations and local “mom-and-pop” insurance agencies that are offering motorcycle coverage for the first time, and you can really get yourself into some sticky situations if you go with these so-so types of coverage.

It’s best to stick with brands you know, Brands you trust, and insurance companies that can deliver.

Relationships and open lines of communication are everything

Anytime you are dealing with an insurance agency (for Florida motorcycle insurance or any other type of insurance, for that matter) you need to really analyze just how open, friendly, and helpful their insurance agents and customer service support staff are.

If you feel like you are getting the runaround before you become a customer, you can only imagine just how much you will be ignored when you sign on the dotted line and send the money each and every month. Only work with people that you’re comfortable with and people that you feel have your best interests at heart.

Read the fine print

Lastly (and maybe most obviously), you’ll want to make sure that you read every single word that is written in your terms of insurance agreement – and then it’s a good idea to go back and reread the whole thing at least once more.

Insurance agencies are getting pretty good about not sticking “weasel clauses” into their policies anymore, but some of them are still trying to get away with this ancient practice that could leave you exposed in the event of an emergency. Always – ALWAYS – check the fine print before selecting Florida motorcycle insurance.

Categories: Insurance