My perspective on the Insurance Industry

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  • Get the Best Florida Home Insurance Possible

    If you need home insurance Florida, it’s only natural you want the best option available. That’s almost always the case, right? But with home insurance, it could make the difference between something bad happening to you and something bad changing your life forever. The thing about finding the best home insurance for your house in Florida, however, is that you have to do a lot of the heavy lifting. Visit YourFloridaInsuranceQuotes.com or keep reading to find out more.

    Prior to Buying Your Home

    When you buy your home, if you’re like 99% of the country, you get a mortgage first. This loan covers all the costs minus the down payment (usually) and, in exchange for paying it back over the course of 20 or more years, you get your brand new home.

    While there are many ways to bring down the price of that mortgage, one easy way is by getting quality Florida home insurance upfront or otherwise guaranteeing certain coverage. This makes sense when you think about it. Banks don’t want to lend money if they think their investment could be violated.

    Don’t Overpay

    Obviously, no one wants to overpay for anything, much less insurance where you’re putting money down continuously. But it can be easy to do with Florida home insurance because so many people insure the entirety of what their mortgage paid for. This is unnecessary and will result in you overpaying.

    When you get home insurance, be sure you’re only covering the structure itself. You aren’t trying to insure the dirt it’s built on or the grass around you because nothing is going to happen to those.

    Other Structures

    This doesn’t mean you only get insurance for your home, however. If you have other structures on your property, it makes sense you’d want them insured as well. For example, do you have a guest house? What about a pool? A fence? These are all things that could succumb to unfortunate circumstances and that you would want to cover in your policy.

    Loss of Use

    It might be tough to do, but it can be helpful to think of the absolute worst case scenario. For example, Florida certainly gets its fair share of hurricanes. So, depending on where you live in Florida, it’s possible that your home could get wiped out by one of these tropical storms. In such a scenario, there are a lot of things you would need covered, but one area is definitely new living expenses. Make sure your Florida home insurance policy will cover your hotel stay, eating out, etc. Otherwise, you could be taking on a lot of extra bills without any help with them during the worst time to do that.

    When you’re in the market for Florida home insurance, the best thing you can do is work with a reputable company you’ve heard good things about. That will go a long way in making sure you get the coverage you need. From there, just review the above and ask your provider all kinds of questions and you‘ll be fine.



  • Get Florida Car Insurance Today

    Do you live in Florida and own a car? Then you need Florida car insurance from http://YourFloridaInsuranceQuotes.com. If you don’t currently have it, perhaps obtaining coverage has been on your list of things to do, but you haven’t followed through because of how complicated it can be. It’s true that the insurance companies don’t do themselves any favors. So keep reading as we attempt to dissect the process some so you can get what you need to remain protected.

    Liability Coverage

    As you probably know, you must have Florida car insurance to get behind the wheel and operate your car. Without insurance, you can receive a very pricy ticket or even end up in jail. If you are involved in a car accident, you could very easily deprive someone of the repair payments they’re rightfully entitled to.

    But that doesn’t mean you have to go out and break the bank or spend on coverage you’ll never use. The most basic type of Florida car insurance everyone must have is umbrella liability.

    All this insurance does is make sure you have some kind of coverage so the other person in an accident isn’t completely without a paddle if you’re found to be the responsible party.

    But there are other types of insurance you might be interested in getting as well. In fact, there are probably well over a dozen. But let’s take a look at two of the most popular types right now.

    Collision and Comprehensive Insurance

    This one’s a but self-explanatory, but it’s great coverage to have if you can afford it. As the name explains, this version of Florida car insurance will protect you in case of a collision. But collisions aren’t the only way your car can get banged up. Someone could try breaking into it, for example. It could catch on fire or simply be under a large branch when the storm hits. All of these scenarios would damage your car, which you’d be able to fix because of your coverage. There are many different types of FL auto insurance.

    Insurance for Uninsured Motorists

    While you’re doing the right thing and looking into getting insured so you follow the law and don’t leave anyone worse off for sharing traffic with you, the sad truth is not everyone follows suit. Many Floridians drive without insurance and have no intention of getting it. That’s why you may want to get coverage for uninsured drivers. This way, if an irresponsible party does hit you, you’re not automatically paying out of pocket.

    FAJUA

    If you really can’t afford insurance for your car, you can go through the Florida Automobile Joint Underwriting Association. They’re a government run agency that will subsidize your coverage so you can still stay behind the wheel. However, be warned, you must seriously have tried to get insurance and been denied or otherwise was completely unable to pay the premiums. If you try to get FAJUA insurance under false pretenses, you’ll be committing a felony.

    While there’s more to it than that, this should be a helpful primer in getting you Florida car insurance. Now make some phone calls and go get coverage today.