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What is Umbrella Insurance?
An umbrella policy is extra protection that goes above and beyond your normal limits of coverage when it comes to liability. Umbrella policies can offer additional coverage for things like: Injuries to others. Legal fees and litigation. Excessive property damage. Other personal liability situations. Umbrella policies are optional, but they do provide extra protection. One […]
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Boat Insurance
Insurance doesn’t stop where the road ends! There is also insurance for watercraft, yachts, and Wave Runners. Personal watercraft is not required by law in most states, but it is highly recommended. A typical boat insurance policy may help cover if the watercraft is stolen, cover the motor on the boat, even emergency services such […]
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Motorcycle Insurance
Motorcycle insurance provides coverage if your motorcycle, moped, scooter, is damaged or stolen as well as financial protection if you are responsible for someone else’s injuries. In the state of Florida, you are not required to have motorcycle insurance. Riders will have to register their bikes with the Department of Motor Vehicles (DMV) but do […]
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Condo Insurance
Condo insurance, also known as H06, is designed to cover what your condo association’s master policy won’t. Condo Insurance is a wall in policy. A typical condo insurance policy covers your personal belongings and pays out if you’re found responsible for someone’s injury. Even if your loan is paid off, many associations require owners to […]
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Renter Insurance
Renter Insurance is not legally required in the state of Florida. However, depending on the apartment complex or rental home you are trying to move into, they might require for you to have renter insurance. Landlords are allowed to require you to carry renter insurance in Florida as part of their tenant application process. Renter […]
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Flood Insurance
What is Flood Insurance? Flood insurance is generally purchased separately from your homeowner and renter insurance policy. Flood insurance may cover losses from water damage related to flooding. If you live in a higher-risk flood zone, you may want to purchase flood insurance from the National Flood Insurance Program (NFIP) or from a private flood […]
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Homeowner Insurance
Homeowner insurance covers damages to the structure of your home, personal property, and other assets in your home. Homeowner insurance isn’t mandated, unlike car insurance. However, if you are financing your home, the bank do require it as a condition of your mortgage to carry insurance. Homeowner insurance can help you protect yourself from enormous […]
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Auto Insurance
Most states require you to carry auto insurance by law. There are only 2 states, Virginia and New Hampshire that car insurance is not mandatory. It is also very important to speak with your insurance agent to make sure that you are maintaining the required insurance coverage throughout your vehicle registration period, or your driving […]
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