Email Us anytime or call or stop by our office during business hours.
Weekends by Appointment
Home & Auto Insurance
Insurance for Florida Homeowners - Click here for Quick Quote Form
Your home is the largest single investment you will make in your lifetime, and protecting it is one of the responsibilities you have as a homeowner. Storms and accidents are inevitable over the course of your homeownership and a home insurance policy can help mitigate the financial burden for damages to your home or personal possessions.
You can expect your homeowners insurance to cover four areas.
Personal general liability with home insurance protects the homeowner from accidents of bodily injury and property damage that someone else may suffer while on your property. Mishaps like a visitor tripping and falling in your house could result in major medical bills. Liability insurance can help pay for those medical bills. Liability insurance can also help protect you if any lawsuits are brought against you related to these types of accidents.
Dwelling coverage can compensate you for damages to your physical house as well as any attached structures. It typically covers you against fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism.
Personal Belongings Coverage
Personal belongings coverage compensates you if your personal items are lost or damaged due to fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. There are also optional rider policies available to cover more expensive items, such as jewelry, art or electronics.
Additional Living Expenses
Additional living expense coverage compensates you for temporarily having to move if your house is deemed uninhabitable after a disaster such as a hurricane or fire.
Florida Drivers Car Insurance - Click here for Quick Quote Form
Each time you get behind the wheel, you are responsible for the risks that come with driving a vehicle. Even the most cautious drivers can become involved in an accident. Statistics show that the average driver will be involved in about five car accidents over the course of a lifetime. Auto insurance is the best way to protect yourself against automobile accidents.
What Does Auto Insurance Cover?
A full coverage auto insurance policy is the best way to protect yourself. It combines coverages to protect against any danger that the driver or vehicle may encounter. Full coverage policies may include:
Comprehensive Coverage compensates you for damage to your vehicle caused by fire, wind, hail, lightning, smoke, falling objects, theft and vandalism.
Collision Coverage provides compensates you for damages to your vehicle from a collision with another vehicle or object.
Liability Insurance covers bodily injury and property damage that you may cause someone else while operating the insured vehicle.
Personal Injury Protection (PIP) compensates you for injuries you and your passengers might receive in an auto accident, no matter who is at fault. PIP insurance can assist with medical bills and lost wages if you or your passengers are unable to work due to the injuries received.
Uninsured/Underinsured Motorist covers damages and injuries occurring in an accident involving another driver who is not properly insuranced at the time of the accident.
Roadside Assistance assists you with expenses like running out of gas or needing your vehicle to be towed.
What Type of Auto Insurance is Required in Florida?
In Florida, all drivers are required to carry at a minimum:
- $10,000 in bodily injury liability per person
- $20,000 in bodily injury liability per accident
- $10,000 in property damage liability
Is Florida a No-Fault State?
Florida is a no-fault state when it comes to automobile accidents. What this means is that no matter who is at fault for the car accident, each driver is expected to file a claim with their insurance provider to cover their own damages and injuries.