All About Florida Home Insurance

All About Florida Home Insurance

Florida home insurance is a must-have. Not only does it protect your home but also your financial investment. Florida is home to so many different perils. Perils such as hurricanes, tornadoes, fires, and strong winds, just to name a few are frequent in Florida. It is strongly recommended that you purchase enough coverage to protect your home.

What Is Covered?

Your Florida home insurance policy will cover your personal property and your home from damages caused by these perils:

  • Fire
  • Windstorm
  • Explosions
  • Theft
  • Vandalism
  • Falling objects
  • Weight of snow or ice
  • Freezing of plumbing

Before diving in headfirst, you should familiarize yourself with the different types of coverages that are included in a Florida home insurance policy at this website. These coverages consist of dwelling, other structures, additional living expenses, water backup coverage, personal property, family liability, and guest medical protection.

Types of FL Coverage

Dwelling protection will be able to protect you from financial loss if your home or any other connected structure like a garage are damaged by perils such as wind and hail. Other structures coverage will be able to cover your unattached structures. This will include fences and sheds.

Additional living expenses will cover you if your home becomes uninhabitable due to damages caused by a covered peril.  Water backup coverage is different from flood insurance. In fact, it helps repair any damages due to water that comes from the ground up. For instance, an overflowing drain or sump pump.

Personal Property will cover your personal belongings if they are damaged due to a covered peril. This coverage will cover your belongings inside your home and on the go. Your liability protection will cover legal liability if your negligence causes injuries or property damages to others. Guest medical protection will help pay for medical bills for those injured on your property.

Florida home insurance from is important to have. Read the guide above to familiarize yourself with this type of coverage. That way you will know exactly what to shop for when it comes to determining how much coverage you need. Be sure to shop and compare FL home insurance before settling for a policy. The FL homeowners market is fairly expensive due to the risk that insurance companies will have to payout.

Start shopping online today to find the perfect FL homeowners policy for you. To help get you started head on over to You can find a great deal on FL home insurance!

Do I Need Insurance Before Buying a Motorcycle?

Do I need insurance before buying a motorcycle

If you are ready to purchase a motorcycle in Florida, then you will definitely need to purchase coverage on the bike. Many bikers wonder if they need to first purchase insurance before buying their motorcycle. Generally, it depends on your situation. Here is all you need to know about motorcycle insurance in Florida.

So Do I Need To Purchase Coverage Beforehand?

It depends on your situation if you can purchase coverage before purchasing the bike. Let’s say you are going to purchase a bike from a seller or a close friend. You may go ahead and call your insurance company and get the bike covered before heading over to pay for and pick up the bike. However, if you are leaning more towards going to a dealership and purchasing a bike, you may want to hold off until after you finalize the purchasing process. You may show up at the dealership and change your mind and decide to purchase a bike that wasn’t originally planned.

So, if you know 100% that you are purchasing a particular kind of bike, it’s safe to go ahead and get it covered. I mean when you go to pick it up you will obviously want to drive it back home. Motorcycle insurance in Florida from will be able to cover you and your bike easily.  There are many coverage options available for you.

What Coverage Options Are Available?

For the most part, coverage options that are available for your motorcycle include the same standard ones you see for auto insurance. Most companies will be able to offer you these types of coverages. These coverages are collision, comprehensive, medical payments, and personal injury protection.

  • Collision – This will pay out damages to your motorcycle minus your deductible.
  • Comprehensive- This will pay if your motorcycle is stolen or damaged by something other than a vehicle collision. For example, an animal collision is covered.
  • Medical Payments – This coverage type will be able to cover any medical bills if you and your passenger are injured in an accident.
  • Personal Injury protection – This will usually pay for any medical costs for injuries no matter who is at fault.

There are three types of settlements that you need to understand if your bike becomes damaged or stolen. They are as followed:

  • Actual Cash Value – This will be able to pay out the cash value of what your bike is worth, this does not include your deductible or depreciation.
  • Stated Amount – This will pay out the amount you selected when you bought your policy.
  • Agreed Value – This will be able to the amount you and the insurance company agreed on when you bought the motorcycle.

When it comes to motorcycle insurance in Florida here, shop carefully. It’s quite simple to purchase a policy. Just take your time, do your research, and never drive without a policy!

Florida Car Insurance Companies

Florida Car Insurance Companies

Getting car insurance can be a pain in the rear. Not only is it expensive, but there is also a multitude of providers, each with its own distinct and different plans. Working your way through the labyrinth of policies can be a hassle, even for those who know the industry well (and who’s going to bother to take the time to learn insurance, really?). Fortunately, Florida car insurance companies have quite a bit to offer their clients, and there are fewer challenges to choosing a policy in this state than in others. Let’s take a look at some things to keep in mind while looking.

Long-Term Policy Adjustments

One of the most important things to keep in mind is whether or not your provider will adjust your rates over time in exchange for a lack of claims. That is, ask if they will allow you to pay less in the future if you avoid accidents and other situations that could lead to your needing to invoke your insurance policy. This is a basic ‘you scratch my back, I scratch yours’ approach to business: If you keep your insurance plan for a while but never need to use it, your insurance company, often, will adjust your rates as an incentive and as a reward.

This is definitely something to keep in mind when looking around at companies that offer such adjustments. They should rank higher on your list of firms to consider than those that don’t. Florida car insurance companies at can provide you with the coverage you need.

Word of Mouth: Listen for Approval

While the advice of family and friends doesn’t always seem like the most reliable or most useful source of information due to its informality and ease of access. The reality is that the takes your family members and friends have on this or that insurance company are often significantly more accurate than anything you’ll read on the web or hear from the insurance company itself. The reasoning here is obvious — most companies are only going to talk positively about themselves, and the only people who are going to give reviews are going to be those who either had such a bad experience they have to vent or those whose experience was so good they just have to let you know. So word of mouth is the easiest source of unbiased reviews you’ll find.

Trust Your Gut

Finally, be sure to take into consideration, simply, how you feel about the place. Often, you can tell based on your interactions with the insurance agents whether or not the company has the integrity you feel you, as a customer, deserve. If the agents are nasty, or too pushy, obviously, this is probably a sign that you should stay away. If they’re not confident enough in the quality of their policies or business to let that lure you by itself, chances are the quality of their policies and business is lacking. Keep this in mind when shopping through Florida car insurance companies here and good luck!