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Home-Related Insurance
Life is full of surprises—some good, some bad. Though you can’t always prevent bad surprises from occurring, you can prepare yourself for the aftermath. Whether you live in a condo, a house, or an apartment, your home is the most important place in the world. To make sure your property is covered in the event of a fire, break-in, or natural disaster, you need the right kind of insurance. Florida Insurance Concepts, Inc. works with many insurance companies to provide Florida homeowners and renters with affordable and comprehensive policies.
Homeowner
Homeowner’s insurance is essential for all homes, including vacant homes and high-value properties alike. However, different property owners have different needs. At Florida Insurance Concepts, Inc., we can help you find a suitable policy that protects your personal possessions, as well as the physical structure of your home. Personal liability is another important aspect of homeowners insurance, offering protection against bodily injury and property damage lawsuits.
Condominium
Florida condominium owners have different insurance needs than other property owners. If you own a condo, you need a property insurance policy that complements your condominium association’s master insurance policy. Your condo insurance policy should cover everything inside your unit, while the condominium association’s policy should cover the roof, elevators, and exterior of the building itself.
Flood
Over the past 10 years, flooding has caused almost $24 billion worth of property damage in the United States. Flooding is by far the most common natural disaster; however, basic homeowners insurance policies do not cover flood damage. All Florida homeowners should have good flood insurance, whether they have waterfront property or not. Some properties have a higher flood risk than others, but a flood can occur virtually anywhere at any time.
Rental Property
Purchasing property and renting it out to tenants is a smart way to invest in real estate. Even if you select your tenants carefully, however, there’s always a chance that your property could become seriously damaged. For maximum protection, you’ll need a policy that’s designed to satisfy the coverage needs of your investment property. Your rental property insurance policy should provide liability protection, vacant property coverage, and loss of rental income coverage.
Renter’s Insurance
If you’re renting a house or apartment, you should know that your landlord’s rental property insurance does not cover your personal belongings. Renters insurance, also known as tenant insurance, will provide protection for your personal belongings, personal liability, as well as additional living expenses due to a covered loss and your house or apartment is uninhabitable.
Auto Insurance
Auto insurance isn’t just important for protecting yourself and others—it’s required by Florida law. Minimum coverage for Florida drivers is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). However, a minimum insurance policy will not cover all possible situations. For help finding an auto insurance policy that covers all your needs, call the auto insurance experts at Florida Insurance Concepts. Our agency helps you find the best policies so our Florida clients can be prepared for the worst.
Auto
Almost all states have mandatory auto insurance laws to help ensure that drivers are adequately protected. In addition to the basic insurance requirements for the state of Florida, you might consider maximizing your coverage with additional options. For example, collision coverage insures drivers against damage sustained to their own vehicles during auto accidents, while comprehensive coverage insures against fire, vandalism, theft, glass, and other forms of physical damage that aren’t associated with collisions. Other forms of coverage—including liability and medical expenses coverage—are designed to protect you if you are to blame for an accident that causes an injury. Florida has one of the highest rates of uninsured drivers in the country; you might also consider uninsured driver coverage for maximum protection.
Motorcycle
Motorcycle insurance is designed to protect the unique needs of motorcycle riders. Florida Insurance Concepts can analyze your driving record, your driving habits, and your type of motorcycle to help you hone in on a personalized insurance policy. We can help you find a policy that provides just the right combination of affordability and coverage for your motorcycle, your accessories, and yourself.
RVs
A recreational vehicle is a fine companion for all manner of adventures. However, all adventures come with some degree of risk. Taking out an insurance policy that specifically covers accidents involved with your RV is a great way to keep your RV on the road without spending a fortune.
Classic Cars
A special car deserves a special kind of insurance. If you own a classic car, consider working with the team at Florida Insurance Concepts for help finding a policy that offers agreed value coverage, restoration coverage, and allows you to visit a repair shop of your choice. Classic car coverage can be affordable—you just need to know where to look.
Commercial Insurance
To successfully run a business, you need to keep multiple things in your head at any given time. You must make sure your employees are happy, your customers are satisfied, and your business is covered in the event of a disaster. Worrying about so many facets of business can cause a considerable amount of stress, and may even lead to lapses in your quality of service. Purchasing comprehensive commercial insurance policies can help you achieve peace of mind and allow you to focus on making your business more successful. Contact the team at Florida Insurance Concepts to learn more about General Liability insurance, Workers’ Compensation, as well as other types of commercial insurance coverage.
General Liability
As a business owner, you have a responsibility to keep your customers safe whenever they visit your property. If a visitor suffers an injury that was caused by some form of negligence—a broken step, for example—you may be held legally responsible for their injuries. General Liability insurance can protect your business’s finances under a wide range of circumstances, including personal injury (libel and or slander). If you lease your space, the lease agreement may define what coverage is needed and the limits of liability needed. Other stipulations may also be required, so it is important that your general liability policy adequately suits your property’s specific needs.
Commercial Property
As the owner of your business, you should consider protecting your physical assets such as your building, contents, and computer equipment from fire, theft, vandalism, wind storm, and flood damage. A property policy can also include coverage for equipment breakdown and business interruption (loss of rents or loss of income). If your property has a mortgage or if you lease equipment, the lender will require proof of coverage.
Community Association Insurance
If your business is a part of homeowners association, condo association, or some other type of community association, you should make sure your association has the proper coverage. Community association insurance can provide coverage for equipment, building, and contents, as well as other things that your association shares. Director’s and Officer’s insurance is a type of liability coverage that can help protect the Association from the decisions made by the board and or directors.
Workers’ Compensation
You should provide your employees with a safe work environment. Despite your best efforts, there’s always a chance that your employees may suffer injuries. To prepare for this possibility, a good workers’ compensation policy can help you avoid a costly lawsuit and pay for costly hospital and medical bills while your injured worker recovers from a work related injury.
Marine Insurance
Boating is one of Florida’s best loved pastimes. Wherever you go, you’re bound to see all sorts of yachts, fishing boats, sailboats, and speedboats on the water. If you are a Florida boat owner, you should make sure you have an affordable and comprehensive boat insurance policy. Unfortunately, Florida’s high risk of hurricane and flood damage makes shopping for boat insurance somewhat difficult. With the help of Florida Insurance Concepts, you’ll have a much easier time finding an insurance policy that best suits your boat and lifestyle.
Boat Insurance
Boat insurance companies have a lot of requirements for Florida policyholders. For example, some insurers require policyholders to move their boats away from Florida during hurricane season, while others require their policyholders to be full-time Florida residents. These requirements depend on a large number of factors, including the size and the primary use of the boat to be insured. For instance, yachts, personal watercrafts, and commercial fishing boats all require different kinds of insurance. For help determining what requirements your boat may warrant, let the team at Florida Insurance Concepts help you wade through all the various insurance options. We specialize in finding the right protection at the right price.
Yacht
A yacht is a significant investment that should be protected with an excellent insurance policy. Since yachts tend to travel a lot further than other kinds of boats, they often require more substantial coverage. Yacht insurance options may include hurricane haul-out coverage, search and rescue coverage, and liability protection. Whether you’re responsible for a small personal yacht or a large corporate yacht, let the team at Florida Insurance Concepts prepare a policy that precisely meets your needs.
Yacht Broker
If you’re a yacht broker, you make your living by responsibly handling transactions between yacht sellers and buyers. One way to demonstrate that you’re a reliable broker is to take out a comprehensive yacht broker insurance policy. Your policy should provide coverage for yachts that are damaged while in your care, custody, and control. It should also provide coverage for documentation errors and client injuries.
Marine Contractor
Tradesmen who provide dredging, bulkhead, and pier services have unique coverage needs. For example, a marine contractor may consider an insurance policy that offers protection from lawsuits. It’s also important to have coverage for watercraft, construction equipment, and employees. Before taking out a commercial marine insurance policy, you must carefully evaluate your services and determine which insurance offerings suit your needs.
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