Insure To Be Sure

June 10th, 2014

Well, it’s time to review your home insurance once more. Now, if you’re looking for a company, you may need a little helping hand. You don’t want to be cheated out of your money; in fact, you want to get the best deal for your money. So, which homeowner insurance companies in Florida will help you to do this? Well, here is a list of some of the best companies. Whilst it would be impossible to give you a list of every single company, this is the next best thing. So, enjoy and let the companies come to you.

Allstate Insurance- This is one of the best insurers in the state. It offers affordable policies as well as excellent customer service.

Farmers Insurance- This Company ties with Allstate Insurance. They are a first rate company which has received glowing reviews from satisfied customers.

American Family- This insurance company is highly recommended, especially if you are a family.

California State Auto Group- This Company has received several glowing reviews and offers extremely competitive rates.

Liberty Mutual- One of my favourite companies. It offers excellent customer service as well as being affordable. What more could you want?

Travelers- Another brilliant company. It’s great for everyone and I am yet to meet an unsatisfied customer.

State Farm- Whilst it’s not as high up on my list as Allstate Insurance, this is another solid, dependable insurance company.

Hartford Financial Services- They offer brilliant rates and treat you like a person rather than another number, like so many other insurance companies do.

Metlife Auto & Home- They’re a brilliant company and all dealings with them are quick and pain-free. Good if you don’t have acres of time.

Nationwide Mutual Insurance Company- Solid. Dependable. Reliable. This company will never let you down; even in times of emergency.

Citizens Property Insurance Corporation- Another good company. They are the biggest company in the state and offer affordable policies, which are also of an incredibly high standard. You can design your own policy. I can guarantee that you will get your money’s worth from this company.

Florida Peninsula Insurance Company- Yet another brilliant, dependable company. They are one of the state’s best-loved insurance company and they now offer customers quotes online as well as the opportunity to access your policy and make payments online, which is a bonus in this technological day and age.

Royal Palm Insurance Company- This Company makes every single customer feel like Royalty. They have been in the business since 1972 and have catered to customers in times of crisis. They now offer customers the opportunity to pay their bills online as well as being able to file claims around the clock. Any money spent on them will not be wasted. which effect Florida homeowners. Homeowners have the opportunity to pay their bills online as well as being able to file claims around the clock. This makes business with them a pleasure

Florida Family Insurance Company- This Company caters for families all across the state. They treat families like families rather than single people or, even worse, just a number. They offer a personalized service to all of their customers. I would recommend them for anyone who has a family.

YourFloridaInsuranceQuotes.com can help you by providing a comparison quote for every available insurance company in the state of FL. For more information visit: http://yourfloridainsurancequotes.com/home-insurance/homeowner-insurance-companies-florida/

The cheapest auto insurance in Florida

June 2nd, 2014

If you have an automobile in the state of Florida, you need to know how to find the cheapest auto insurance in Florida.  Each state has different laws so if you are moving to the state, pay special attention to the words below.

What are the Mandatory Laws?

If you have a vehicle and you reside in the state of Florida, you must have a registered vehicle and it must have insurance which meets the state’s minimum liability protection laws.  These include a $10,000 minimum for a single person who sustains a bodily injury in an accident.  There is a $20,000 minimum required for two or more injured people and a $10,000 minimum coverage for property damage.

There is a law known as the “Florida Financial Responsibility Law” that gives minimum coverages for things like DUI citations and license revocation, driver’s license suspension if you happen to lose too many points, revocation of a person’s license for people who are habitual offenders, and for an automobile accident that caused injuries and that you caused.

If you live in Florida and have a car there, you must have insurance coverage through a reputable licensed Florida insurance agent.  You can’t have the policy you had that was issued in a different state.

What are the Florida Auto Insurance Requirements Regarding Rental Cars?

You need to find out if your auto insurance policy covers rental cars.  Many do so and this saves you an extra charge when you are renting a car.  If it does not cover for rental cars or if your credit card does not offer such a program, you will have to sign up for a brief insurance policy regarding the care you rent.  Rental car places are required to have the same minimum coverage limits as regular insurance companies.  Usually the coverage is cheap, around $7.00 to $14.00 per day.

What about Uninsured or Underinsured Motorist Coverage in Florida?

While you can certainly purchase cheap coverage that protects you against and underinsured or uninsured motorists that you can get into an accident with, it is actually not required by the state of Florida.  You need to sign a waiver, however, if you decide not to purchase this kind of coverage.  It pays to get the coverage, however, so if you can afford it, get coverage in the event of an accident.

What about other Household members who might drive the Vehicle?

 

Almost all cheap insurance companies require that you list all the drivers in your household even though the state of Florida does not require it.  It is important to do this, however, because if you don’t list a member and this person gets into a car accident, you can be denied coverage for the accident claim.

Rules around stopping your Insurance

If you let your coverage lapse or you lose your coverage by some other means, you might lose your driving privileges for a maximum of three years or until you can prove to the state that you have automobile insurance again.  Besides your license, you lose your registration and your vehicle tag.  It will cost you to get your license back–$150 for your first offense and up to $500 if you are a habitual offender. Before this happens, contact an auto insurance company in Florida today.

Florida life insurance

May 29th, 2014

Finding the right Florida life insurance policy for your needs

Though everyone seems to know at least a handful of life insurance salesman jokes that they can share at the drop of a hat, the truth of the matter is you need to seriously consider investing in a high quality (and lucrative) Florida life insurance policy so that you and your loved ones are completely protected in the event of a serious and unforeseen issue.

Obviously, you’re going to have ample opportunities to purchase a Florida life insurance policy from a number of different agencies all throughout the state – and even across the country – but unless you know how to navigate the Florida life insurance policy purchasing process you might not be happy with the results.

Here are just a few different things you’ll want to consider before you agree to any type of life insurance policy.

Don’t get overwhelmed by the process

The most important thing you can do throughout this entire process is to break things down into a step-by-step outline, focusing only on the task at hand before moving forward in the process.

Purchasing Florida life insurance is not as simple or as streamlined as purchasing automobile insurance, just because there are so many other variables and considerations that need to be factored into the policy. Certainly spend a few days (or even a few weeks) looking at the different policies available to you and how they might improve your safety and security, and never feel rushed to sign on the dotted line and get the whole thing over with.

Don’t get sucked into coverage that you will not need

Secondly, you’re going to want to make sure that you resist getting sucked into coverage options that you will not need, coverage options that don’t provide the benefits you’re looking for, or coverage option that just don’t seem to have any tangible payoff.

Remember, Florida life insurance (like any other type of insurance) is sold to generate a profit for the insurance company first and foremost. You’ll certainly come across more ethical Florida life insurance salesman than those that are looking to take advantage, but you need to be on the lookout for those wolves in sheep’s clothing that will sign you up for just about anything and everything in an effort to improve their commission.

Make sure that the plan fits your current budget as well as your projected one

Another consideration that too terribly many people ignore altogether is that your Florida life insurance policy not only needs to fit your current budget, but also the budget that you project to have in the years to come. Sure, you might be able to afford your Florida policy right now – but what about in the future if your income is not where it is right now?

This is a critical question to answer and something that can dictate whether or not you go with one life insurance policy over another, one life insurance agency over another.