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What type of insurance do you need?
Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Florida. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable.
Florida drivers pay more for car insurance than drivers in many other places. The average American driver pays $1,311 per year for car insurance. In Florida, drivers pay an average of $1,742 each year. Take time to compare quotes to make sure you get the best deal on auto insurance in your area.
Last year small businesses in Florida made $576.3 billion. Florida businesses are thriving. But a company's revenue could be negatively affected at a moment's notice. Without insurance, business claims have to be paid out of pocket, meaning they have to be paid out of a business’s revenue. So if a pipe bursts and floods the sales floor, or if a customer suffers an injury on the way out the door, the business could suffer the financial consequences.
Worker's compensation laws in Florida require all non-construction employers who have four or more employees to purchase this insurance. Construction employers who have one or more employees must purchase workman’s comp coverage.
Agricultural employers who have six regular employees and/or 12 seasonal employees who work more than 30 days during a season, but not more than a total of 45 days in a calendar year, must have worker's compensation insurance in Florida.
Restaurants in Florida need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.
All commercial vehicle insurance policies in Florida must include personal injury protection (PIP) and property damage liability insurance. Additionally, vehicles that weigh in excess of 26,000 pounds must carry additional liability insurance to cover both bodily injury and property damage. The minimum amount of liability insurance required depends on the vehicle's weight.
There’s no denying that Florida is always at risk for a variety of natural disasters, including earthquakes, hurricanes, tropical storms, tornadoes, wildfires, and floods. The most common and costly insurance claims in Florida are: windstorm damage from hurricanes and tropical storms, fire insurance claims, liability claims, and business interruption claims.
An umbrella policy provides a layer of extra liability insurance, typically $1 million or $2 million, above the coverage in home, business and automobile insurance policies. While it's easy to assume that only a wealthy person would need that much insurance coverage, it's surprising how important an umbrella policy can be for the average person. If a policyholder has a car insurance policy with liability coverage, that may seem like enough protection in case of an accident. But a lawsuit could quickly exceed the $100,000 or $300,000 insurance payout, when court costs and attorney fees are factored in.
Many renters assume that they don't need insurance. After all, the landlord probably already has a homeowners insurance policy in place for the property. However, Florida renters insurance is crucial because the landlord's insurance covers only the actual building or the property that the landlord owns. None of the tenant's personal belongings will be covered if there's a fire, flood or robbery. Renters insurance is designed to protect personal property and to safeguard tenants from liability for injuries or damage that happens in their home.
Life insurance is all about preparing for the unexpected. It is important to think about how a person's dependents would fare if they were to meet an untimely demise. If they are married, they may want enough coverage to allow their spouse to afford to keep the family home. If they are a parent, they are likely to want to ensure that their children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.
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