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Archive for the ‘ Florida Insurance Agency ’ Category

Common Car Insurance Gaps

Are You Protected for Everything?

When shopping for car insurance in Florida, do you browse for the lowest premium and quickly settle for the cheapest offer? A low premium is sometimes a cover for dangerously high deductibles or crucial gaps in coverage that will leave you struggling. Instead of risking your well-being and throwing money away on insufficient insurance, be prepared to ask about these common gaps for auto insurance in Florida. 

Who Pays for the Rental Car?

Florida Car InsuranceFollowing an accident, your first concern will probably be about how much the repairs may or may not cost you. However, a more pressing issue might be regarding how you are going to get around while your ride is in the shop. Many policies for car insurance in Florida do not necessarily cover transportation costs or rental coverage while you wait on repairs.

Fortunately, adding this protection is usually not expensive and worth the extra premium. Ask details about how much is provided, so you do not get left stranded at the repair shop.

Are You Ready for Flood Season?

Very few insurance policies include flood damage, but Florida residents are at continual risk for exactly that. While it can be difficult to find affordable flooding auto insurance in Florida, you can contact the federal National Flood Insurance Program to sign up for protection. Regardless of how you stay covered, make sure you plan ahead for the next big storm.

Are Your Valuables Safe?

You selected the right car insurance in Florida to cover the expenses for your broken window and damaged radio, but you might be out of luck when it comes to the designer bag you left in the back seat. Personal items like jewelry, watches, clothes, laptops, tablets, phones and cash that people often leave lying in cars may not always be protected in your insurance claim.

Will You Get A Replacement?

The most commonly overlooked gap for auto insurance in Florida involves reimbursement of a totaled vehicle. Many car owners are dismayed to find that their insurance only reimburses a fraction of the value, sometimes requiring that drivers pay the difference in car loans. Most policies only require reimbursement for the fair market value of your vehicle, meaning the original cost that you paid minus depreciation even if you still owe more than that.

Does ‘No Fault’ Mean That I Am Protected?

Because we live in a No-Fault state in regards to auto insurance in Florida, all drivers are required to purchase a minimum Personal Injury Protection insurance. This covers any physical injuries and missed wages following an accident, regardless of who is at fault. However, if you purchased only the minimum state requirements you are only protected for $10,000, and the average car related injury costs anywhere between $8,000 and $60,000. For minor accidents, you may be sufficiently protected, but a major injury could end in serious out-of-pocket costs.   

In Summary: Understand Your Policy

You should never assume that your auto insurance in Florida will protect from every eventuality. The only real protection will be a full and comprehensive understanding of your coverage and risks. Speak to an experienced agent about the details of your insurance policy to guarantee that you receive the type of coverage you need.

Spring Cleaning Tips For Homeowners

Spring Clean Like A Pro and Avoid These Common Insurance Claims

As you start to sort through the clutter of your spring cleaning checklist, be sure to include a few valuable points that improve the quality of your home as well as protect against potential disaster. Most claims for homeowners insurance in Florida can be avoided with a little wise preparation.

Clear Away Lint

The vent hose on the back of your dryer needs to be thoroughly cleaned out at least once a year. Otherwise, the accumulating lint becomes a disastrous fire hazard. A single spark will ignite a highly flammable lint collection and quickly engulf an entire house, making dryer vents a common although easily preventable cause for Florida homeowners insurance claims.

Now is also a great time to also check air filters and any other parts of the house that collect debris or lint. 

Make a Quick Safety Check

smoke detectorCheck smoke alarms and CO detectors to ensure that they are functioning properly and have fresh, fully charged batteries. Also, make sure you have an accessible and working fire extinguisher on every level of your home. Preventative measures like these are easily overlooked and forgotten especially after years without use, but a routine annual check could spare you from disaster.

Schedule a Maintenance Checkup

Many local professionals in the area will happily provide routine maintenance checks at little to no cost. Also, some providers of homeowners insurance in Florida offer discounts and lowered rates for homes that are regularly maintained. Contact each of the following contractors to eliminate common household risks with a thorough inspection:

  • HVAC Technician to inspect your ductwork and air conditioning unit
  • Plumber to inspect water heater and pipes
  • Roofer to check for damaged shingles or potential weak spots
  • Electrician to inspect wiring and outlets
  • Pest Control to protect against potential invasions

Take a Home Inventory

Many claims for Florida homeowners insurance involve theft and vandalism, especially during Spring Break and Summer holidays when your home is more likely to be vacant. Before you endure the stress of painstakingly attempting to asses the value of your lost goods, make a comprehensive catalog of your valuables. Most insurers provide simple phone apps that allow you to save and record pictures and details, eliminating the time-wasting hassle of recovery.

Prep for the Next Coming Storm

The exterior of your house requires as much attention to safety as the interior. Because Florida is consistently prone to inclement weather and damaging storms, it is wise to take precautions against natural disaster.  Take the time to ensure that your home is prepared for floods, rain, and strong winds that are most detrimental to the property.

Make certain that your yard is clear of dead branches or any potential debris that may become a projectile during hurricane force winds. Keep trees well pruned and maintained, and clear your gutters and drains of any collected dirt. Furthermore, check the caulking and seals around windows and doors to ensure against leaks before rain falls.

IJ: Weekly Reader Picks

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A Guide to Homeowners’ Liability for Injury to Trick or Treaters
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The Hartford Offers Lump-Sum Pension Buyouts to 13,500 Former Workers
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Top 10 Market Conduct Issues for P/C Insurers
Oct 28, 2014 — A review of state insurance regulators’ examinations of U.S. property/casualty insurers shows that claims-handling, underwriting and producer requirements continue to be the top criticisms. According to compliance and …
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Oct 30, 2014 — The fate of President Barack Obama’s healthcare law is again in the hands of the U.S. Supreme Court. Two years after upholding the law by a single vote, the justices are weighing whether to hear a Republican-backed …
Space Station Supply Rocket That Exploded Insured for $50 Million
Oct 29, 2014 — Authorities on Wednesday started investigating what made an unmanned U.S. supply rocket explode in a fireball moments after lifting off from a launch pad in Virginia, destroying supplies and equipment bound for the …  Read the rest of this entry »

10 Ways to Protect Your Home Against Hurricane Damage

Hurricane season has begun, but you can still take steps to minimize the risk of damage to your home if a named storm swoops down on Central Florida this year.

Here are 10 ways you can beef up your home’s protection before a hurricane approaches – don’t wait until a storm is on its way!

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How Credit Scores Affect Insurance Rates

how credit scores affect your insurance ratesBack in the good old days insurance rates were determined by the driver’s age, sex, driving record and the type of car.  At that time you paid for homeowners insurance based on the type of construction and you got a big discount if you lived within three miles of a fire station.
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Can you Afford to Rebulid After a Hurricane?

Every year, hurricanes cause millions of dollars worth of damage to Florida homes and businesses. Hurricane insurance can be complicated, and laws about it have changed several times during the past few years.

The important question to ask yourself is, “if a hurricane wallops my area, can I afford to rebuild my home?”

For most of us, that answer is “no,” so we need to be sure our hurricane insurance policies cover us properly.
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Benefits of a Local Florida Auto Insurance Agent

What are some benefits of working with a local insurance agent rather than buying insurance online?

We live in a time when just about anything can be purchased on the internet. Buying insurance online has grown more popular with each passing year. Most people who buy insurance online may do so because they believe they are getting the best price, or because they believe that saving time always equates to saving money. While it’s true that some online insurance sites offer a comparison quote, things are not always what they appear. And are you really saving that much time?

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Ten Important Questions to Ask Your Florida Insurance Agent

At Insurance Land we create relationships with our clients. That’s one of many benefits to having a local insurance agent.  Not only do we sell Florida Home Owners insurance, car insurance, boat, business and health insurance, but we are also residents, home owners, and business owners in Central Florida. We understand the importance of being prepared for the unexpected. We understand how important it is to protect your family and your investments.
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