Auto Insurance

How this quote will help me?

Your quote is based on several common factors to give you a clear picture of the cost you can expect, though an independent agent can shop around and maybe even improve your rate!

How much does car insurance cost?

It’s hard to offer an exact figure without knowing all the details of your vehicle and driving history, but car insurance premiums typically fall between $1,200 and $1,650 annually. Keep in mind, if you drive a high-performance hot rod or have an accident or two under your belt, you can expect that number to increase sharply. The good news is, if you’ve got a good driving record, you’re getting good grades, or you’re a part of some affinity group, you could get a nice discount to help lower your rates.

The average cost of car insurance in the US is around $1,300 a year, or about $110 a month. Some states like Michigan and California are known to have higher car insurance rates, whereas South Dakota and Missouri have much lower rates. Your local independent agent will be able to help you understand rates in your area best, but there are a number of factors that go into the process of identifying your rates.

Biggest car insurance rate factors

  • Age: Drivers under the age of 25 typically pay higher rates, mainly because that age group gets into the largest number of accidents. 
  • Location: City drivers pay more than rural drivers due to the increased likelihood of having a claim (traffic jams, thefts, stop-and-go driving). 
  • Gender: Female drivers have lower rates than male drivers due to statistically better driving records. 
  • Driving history: If you’re a safe driver, you’ll have fairly low rates for your vehicle type and location. 
  • Type of vehicle: The more expensive the vehicle, the more it will cost to insure because the insurance company will have to pay more money to replace it. 
  • Current insurance: If you don’t have prior insurance or have a long lapse in coverage, your options will be more limited and you’ll likely pay higher rates. 
  • Credit score: Most states use your credit score as a rating factor, with better credit scores leading to lower rates. 
Why should I work with an independent agent?

With access to multiple insurance companies, independent insurance agents are unlike any other type of agent out there. They’ll help find you the best coverage options and most competitive prices, all for free. To find a local independent insurance agent, click here.

What Is Car Insurance?

To put it simply, your car insurance is meant to help repair, replace, or compensate anyone or anything involved in a car accident. Damage. Injuries. Legal Fees. Those numbers add up fast in a car accident, and insurance is designed to help keep you afloat and get back to life as easily as possible.

Why Do I Need Car Insurance?

First of all, you need it because it’s required in nearly every state before you can hit the road. The two states that don’t require it, Virginia and New Hampshire, have laws that essentially make it a must-have, though technically it’s not mandatory. 

  • For example, Virginia requires you to pay $500 a year to legally go without car insurance, while New Hampshire requires proof that you have the financial assets to pay for any damage you would cause, equivalent to other state’s minimum liability coverage. 

Second, it’s way too costly NOT to have car insurance. Serious accidents, injuries, and deaths happen every day. Without car insurance, you could be responsible for hundreds of thousands of dollars worth of injury expenses. 

And third, because car insurance also helps protect your financial investment in your vehicle. Financed or not, if your vehicle is totaled, you’re out the entire investment. With car insurance, you’ll get most—if not all—of that money back to replace your vehicle and get back on the road again.

What Does Car Insurance Cover?

Your independent agent can help give you a clear, personalized picture of the coverage you need specifically for your car based on your unique situation. However, your policy will generally come with three main types of coverages.

The “big three” of car insurance coverage

  • Liability: This is typically broken down into three key limits: bodily injury per person, bodily injury per accident, and property damage. The liability limits that you choose—say $100,000/$300,000/$50,000 respectively—are basically the max the insurer will pay.
  • CollisionThis covers your own vehicle if it’s damaged in an accident. If the accident is ruled the other person’s fault, their insurance would pay for your damage. But if you cause the accident, or if you live in a no-fault car insurance state, your collision coverage will pay for the damage to your own vehicle. 
  • Comprehensive: Also known as Other Than Collision, this covers your own vehicle for almost any other type of damage it could receive, like: theft, fire, hail damage, falling objects, windshield damage, and nearly anything that’s not wear and tear.

    Additional car insurance considerations

  • Uninsured/underinsured motorist (UM/UIM): Required in some states, this is meant to cover your own injuries and property damage if the at-fault person either has no insurance, or not enough to fully cover your injury expenses. 
  • Medical payments: This is paid out to you and anyone in your vehicle if you suffer injuries in an accident. This is considered no-fault insurance, so it doesn’t matter who caused the accident or how—if you got hurt in your car, you’re eligible. 
  • GAP coverage: Because cars depreciate so quickly (especially immediately after purchase) and insurers only pay current market value, GAP coverage can help pay the difference between purchase price and your remaining loan balance.
  • Convenience assistances
    • Rental car costs: If your car is being fixed after an accident, this coverage will pay for you to rent a car, up to a certain limit.
    • Roadside assistance: If you become stranded on the road, your insurance company will help provide assistance for free.
    • Towing expenseDifferent from roadside assistance, this will only reimburse you for towing expenses after the fact, not provide the service.
The Best Ways to Save on Car Insurance

Car insurance discounts are pretty common, with a number of ways to help you save through certain key behaviors. Each company offers slightly different discount options, but a few of the more common options include the following.

  • Multi-policy: You can typically knock off 10% to 20% when you bundle your car insurance with a homeowners or renters policy. 
  • Multi-vehicleIf you have multiple vehicles on your policy, you’ll likely receive this discount, making each household vehicle slightly less expensive to insure than separate. 
  • Vehicle safety features: Most new vehicles have advanced safety features, like passive or active restraints and blind spot monitoring. The better the safety features, the lower the risk and rates.
  • Safe driving recordA safe driving record over the last three to five years is a big indicator you’re likely very cautious, insurers like that. 
  • Good student discount: Younger drivers can have a dramatic impact on your rates. To help offset this, your child could receive a good student discount if they earned at least a B average last semester. 
  • Defensive driving course: If you don’t qualify for a safe driving discount, you can enroll and complete an approved online defensive driving course and receive a discount. 
  • Telematics: Offered by some insurers, this tracks your driving over a period of time and gives you a discount based on your habits and performance. 

There are usually many more discounts available, such as paying for your policy in full, enrolling in automatic payments, quoting well ahead of time, going paperless, etc. Be sure to talk with an independent insurance agent to find out which discounts you qualify for. 

Home Insurance

As exciting as owning a home can be, dealing with risks like fire, theft, and other unexpected disasters can leave a lot to worry about. That’s why having the right homeowners insurance is so important. But in order to get the most out of your insurance, you need to understand all the ins and outs as well as what is and isn’t covered.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Why do you need homeowners insurance?

Simply put, you need homeowners insurance to protect your home, finances, and livelihood. You’ve worked hard to afford a home you love, and it deserves to be protected. Having the proper insurance coverage can prevent you from going bankrupt and losing the things you love after a costly disaster. Standard homeowners insurance packages provide the protection you need for a number of common threats to your home.

What does homeowners insurance cover?

To put it simply, homeowners insurance is designed to repair, replace, or recover the value of what you currently have (under coverage) if it’s damaged due to any number of causes.

Your independent agent can help give you a clear, personalized picture of the coverage you need, but every policy generally comes with four main types of coverages.

  • Structural damage: Perhaps the most commonly used protection, this includes damage to your house and any structures on your property due to water, fire, severe storms and a few other common risks.
  • Personal property coverage: This will depend on the policy. Items like furniture may only be covered up to a depreciated value, whereas valuables like jewelry might not have any coverage at all, requiring additional insurance protection.
  • Standard home liability: This will cover legal expenses if someone is injured, or if their personal belongings are damaged while on your property.
  • Additional living expenses: If your house suffers damage that’s beyond repair, most policies will pay for a hotel and other living expenses, including groceries.

Situations homeowners insurance typically does NOT cover

It’s a good idea to become familiar with the situations not covered by your policy. The more you know about your coverage, the easier it is to avoid the hassle of filing sure-to-be-denied claims.

Homeowners insurance does NOT cover the following

  • Certain natural disasters (i.e., floods, earthquakes, and mudslides)
  • Maintenance-related losses
  • Wear and tear damage (i.e., poor home upkeep)
  • Insect damage or infestations
  • Business-related liability

In addition, if you run a business out of your home, your home policy typically won’t cover any liability-related mishaps. It also limits liability coverage for certain types of vehicles, like aircraft, ATVs, and boats. The easiest way to make sure you have the coverage you need is to tell your independent agent all about your home and any related business.

The best ways to save on home insurance

To start, combining other policies and raising your deductible are two of the easiest ways to drive down your cost. When you work with an independent agent, they’ll help you find the most discounts based on what you qualify for, including the following.

  • Safety discounts: Upgraded special safety features like burglar alarms, sprinklers, or a high-quality roof.
  • Bundling discounts: Multiple homes? Cars? Bundle them together with the same carrier for a discount.
  • Group discounts: Certain associations and professions like service members, teachers, farmers and even dentists get group discounts.
  • Loyalty discounts: Customers who stay with the same insurance company for a long time are rewarded with discounts.
  • Near a fire hydrant/fire station: The closer you are to a fire hydrant and also the fire station, the faster fires can be put out, earning you a discount.
  • New home: New homes typically are built with stronger safety innovations, making claims less costly.
  • High-quality roof: Hail and wind damage are among the top reasons homeowners file a claim. A sturdy roof can lower your premiums. (Of course, it lowers your heating bill and looks nice, too. Sweet!)
  • Tidy yard: When insurance reps visit your property, they like to see it looking spiffy. Neatly trimmed grass, shrubs, and trees lower fire risk and show the insurance company that you care about your property. Discount!
  • Avoid recreational hazards: A home without a pool or trampoline is at much less of a risk of a claim, earning you a discount on your coverage.

Life Insurance

Deciding on the right Florida Individual Life Insurance policy usually depends on your future goals. Whether you wish to provide a tax free income for your beneficiaries, have funds for the payment of the final expenses or estate taxes, replace the income that is lost if you die, or provide a significant charitable contribution, we can help you chose the policy that will fit your needs at an affordable price.

Individual Life Insurance can be important for:

  1. A source of savings – If not paid out by death benefit, some types of life insurance can have a cash value.
  2. Final expenses – using life insurance to pay for funeral and burial expenses.
  3. Income for dependents – a life policy can provide much needed income for your dependents when you die. Many times this is used for children, but can also be used for a partner that has a loss of income.
  4. Inheritance – using a life insurance policy as an inheritance even if you don’t have substantial assets to pass on to your beneficiaries.
  5. Used to pay taxes
  6. Making a charitable contribution

Life Insurance options in Florida

Generally age and health are the most important factor in the premium you will pay. Although you can purchase a policy at any age, the younger you are the more affordable the policies will be.

All life insurance policies are designed to pay a benefit when someone dies. The two most common types of life insurance are Term and Whole (or Permanent) policies.

Term Insurance is usually the most affordable type of coverage. The term of the policy usually lasts between 1 and 30 years and pays only if a death occurs during the policy term. Most term policies have no other benefit provisions. Term policies can be level term which means the death benefit will remain the same throughout the duration of the policy, or they can be decreasing term which mean the death benefit drops over the course of the policy’s term. When the policy term ends, you may or may not qualify for new coverage based on your health, and based on your age, the cost of the premium may be too high to be affordable.

The advantage of Whole or Permanent Insurance is the death benefit and premium will usually remain the same during the duration of the policy. These policies can also build cash value which may be withdrawn or loaned similar to a savings account.

The 3 types of Florida whole life insurance are traditional whole life, universal life, and variable universal life, and there are variations within each type.

Our agents at Insurance Express Agency can guide you through the different types of Florida life insurance policies available and help you chose the policy that will best fulfill your unique needs and goals.

Additional Information

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.

It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

Health Insurance

Frequently Asked Questions

What kinds of health insurance are there?

There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

  • 1. Fee-for-Service
    These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
  • 2. Managed Care
    More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.
What is 'long-term care'?

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

What are the types of disability insurance?

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

  • 1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
  • 2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

  • 1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
  • 2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

  • Additional purchase options
    Your insurance company gives you the right to buy additional insurance at a later time for an additional cost.
  • Coordination of benefits
    The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
  • Cost of living adjustment (COLA)
    The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
  • Residual or partial disability rider
    This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
  • Return of premium
    This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
  • Waiver of premium provision
    This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

Renters Insurance

You may be speculative why it’s necessary to hold a renters insurance. Rental properties, particularly apartments are thought-about risky once it involves potential claims. You share a building with plenty of individuals where fires, theft, and water harm are sometimes frequent. There are many potential risks and your property is in danger. The items you own are valuable and you should shield them from a loss. Besides, renters insurance in most cases is extremely cheap.

What will Florida renter’s insurance shield against?

At Insurance Express Agency we know the primary concerns with renting a home or apartment, and renter’s insurance protects you from a range of threats and dangers that would occur with a rented unit. Upon purchase renter’s insurance, you’re covering yourself against several things like fireplace, lightening, riots, aircraft, vehicles, smoke, windstorms, vandalism, theft, falling objects, water harm, electrical harm and a number of other problems.

Selecting the right amount of renters insurance

At Insurance Express Agency, we can facilitate that your valuables are insured. Once you decide the amount of coverage you need, we can tailor a package to fit your renters insurance needs throughout Florida.

Renters Insurance Options in Florida

  • Personal Property coverage in case of fire, theft or damage.
  • Liability coverage for risk of accident at your rental
  • Other coverage options also available

As with many kinds of insurance, your premium can rely on your deductible and any extra coverage you decide to select. To recognize the worth of your things, keep receipts. You should additionally keep an inventory of all the things you own, and use caution to not underestimate their price. You should possibly consider photographing or videotaping every space and storing the images in a fireproof box. Today, many folks file things digitally or at a safety lock box at the bank.

To insure that your valuables can be protected, buying renter’s insurance offers you peace of mind and also the assurance that if something is lost, you may be ready to replace it. Contact us today and learn additional information regarding Renter’s Insurance and precisely what proportion you wish.

Frequently Asked Questions

With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.

However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can’t live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.

Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Decide How Much Insurance You Need.
Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

f you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.

Motorcycle Insurance

We are a Florida based insurance agency that specializes in motorcycle coverage. We will shop the best motorcycle insurance companies in Florida to find you the best coverage at an affordable price. You can either fill out our online quote form or contact us for a free, no-obligation quote.

Insurance companies will take into consideration many different factors when insuring your motorcycle in Florida. One company is not always the best fit for everyone, that is why we compare companies for you. These factors include:

  • Driving record
  • Credit History
  • Your Age, Address
  • The Type of Motorcycle
  • The Number of Drivers

Motorcycle Insurance in Florida

Most companies offer coverages similar to auto insurance policy. This would include your bodily injury and property damage liability. You may also consider additional Florida motorcycle insurance including medical payments, comprehensive and collision coverage. Uninsured motorist covers you in the event you are injured by someone who does not carry insurance or may not have enough insurance to cover your injuries.

You may also qualify for discounts that could possibly lower your premiums. These may include:

  • Multiple policies with our company
  • Safety courses that you may have taken
  • Renewals
  • Insurance on more than one motorcycle

So let us take a look at your current policy and evaluate your personal, financial and lifestyle changes for your Florida motorcycle insurance.

Frequently Asked Questions

Why do you need insurance for your 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:

 

  • If you’re in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Your motorcycle may be one of your most prized possessions. It deserves special protection.
Things to consider and questions to ask your agent

Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • IHow much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
  • What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
  • How much medical and liability coverage should I have?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What’s the process for filing and settling a claim?
Tips for the cost-conscious rider

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

  • Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
  • Maintaining a good driving record with no violations will also help reduce your premiums.
  • In many northern states, riders may save money by buying a “lay-up” policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
  • Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
  • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

Watercraft & Boat Insurance

At Insurance Express we can offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. The size, type and value of your boat, personal watercraft or jet ski will be part of the determining factors in evaluating your Florida insurance coverage needs.

Let one of our experienced agents give you the coverage you need and recommendations to best fit your situation. The following list some of the many coverages that we can offer:

  • Physical Damage Coverage – Adding this coverage to your policy protects your boat while in storage and during transport. This covers your boat as well when out of the water, including but not limited to: fire, lightning, vandalism or theft. You can also obtain emergency service reimbursement for expenses related to towing, labor or supplies.
  • Liability Coverage – This coverage will assist you in the event of a collision with another boat, dock or other boaters.
  • Personal Liability – protecting you or family member if you have an accident that causes injury to another person.
  • Medical Payments – covering medical expenses if you or someone in your boat is involved in an accident.
  • Property Damage – damage that may be caused to another persons property while operating your watercraft.

Boat and Watercraft Insurance in Florida

Consult with one of our professional agents at Insurance Express Agency to make sure you have the right coverage at a competitive price. We can evaluate your boat or jet ski insurance needs to find special coverages you may need or any discounts you may qualify for. Some additional discounts and coverages may include:

  • Accident forgiveness
  • Roadside Assistance
  • Boat Removal
  • Boating Safety
  • Multi policy discount

Frequently Asked Questions

Why do you need insurance for your boat or personal watercraft?
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.

Things to consider and questions to ask your agent

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

  • 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?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.

Recreational Vehicle

 

As your Independent Insurance Agency in Florida, we represent some of the top rated insurance companies which allows us to find competitive rates and the right coverage for your toys.

Recreational vehicles provide a lot of enjoyment but also bring with them some unique risk and exposures. We can help protect you.

Recreational vehicle insurance coverages in Florida

  • Motorcycle Insurance
  • ATV insurance
  • Boat Insurance
  • Personal Watercraft – Jet Skis, Sea-Do
  • RV Insurance including Campers and trailers

And don’t forget, many of your favorite toys have trailers you may also want coverage for.

Whether you’re a current client and acquired a new toy or you are shopping around for help through a new agency, let us wow you with our insight on protecting your off road activities!

Contact us to find out more about recreational vehicle insurance in Florida.

Frequently Asked Questions

Liability Insurance for Recreational Vehicles
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.

Property Coverage
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.

Flood Insurance

Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy. Also, don’t rely on the federal government to assist you in the event of a massive flood situation.

Your standard Florida flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. Typically, your flood insurance policy is dependent on your flood zone risk.

We have multiple options for your flood insurance in Florida:

  • Building, contents, replacement cost coverages
  • Different coverage options available
  • Standard flood insurance coverage
  • Optional excess flood coverage
  • Affordable rates

Flood coverage Insurance in Florida

Building coverage is designed to protect the structure of your home or business and cover appliances and other property items that are considered part of your property including air conditioners, dishwashers and cabinets. You will also want to consider coverage for your personal property as well, such as furniture and clothing.

Policies have different options so contact one of our staff at 888-446-4711 for any questions you may have about your Florida flood insurance policy.

Frequently Asked Questions

Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it’s often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn’t offered, you’ll have to shoulder the massive damage costs alone. The bottom line is that if you’re looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you’ll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it’s already too late. You will not be insured if you buy a policy a few days before a flood.

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