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Tag: Insurance

Windstorm Mitigation Inspection

As essential as homeowners’ insurance may be, it can also seem quite expensive for something you’ll hopefully never use. In Florida, as well as other catastrophe-prone areas, the cost can seem exorbitant. Various factors influence your homeowners’ insurance cost, and while you may not be willing or able to change the area of the country where you live, there are factors about your home that...

Flood Insurance

While homeowners’ insurance typically provides protection for things like a fire, lightning strike, hail damage, theft, and many other hazards, one thing usually not covered under a homeowners’ policy is flood. With few notable exceptions, you must purchase a separate flood insurance policy in order to protect your home from rising water, mud slides, and tidal surge. The National Flood Insurance Program provides coverage for...

After a Car Accident

Immediately following a car accident, the most important thing is to ensure everyone involved is safe. If any injuries exist, be sure emergency services are called immediately so medical care can be administered as quickly as possible. If, thankfully, no one is seriously injured in the accident, you may find yourself wondering about the next steps once the dust settles and your adrenaline surge is...

Do I Have “Full Coverage?”

In the insurance industry we often get asked for policies providing “full coverage,” but this is not a straightforward request. “Full coverage,” is not technically an insurance term.  Many people use “full coverage” to refer to automobile insurance policies that carry both the liability coverage generally required to register a vehicle and coverage for the vehicle itself, specifically comprehensive and collision coverage. Having “full coverage” does...

Why You Need Uninsured Motorist Coverage, Especially in Florida

In Florida, approximately 1 out of every 4 drivers are driving without automobile insurance. The Insurance Research Council ranks Florida in the top 5 states with uninsured drivers. In addition to the alarming number of drivers who simply do not have insurance are the drivers who only carry the bare minimum coverage necessary. Florida only requires evidence of Personal Injury Protection and Property Damage Liability coverage...