a. When you're at fault in an accident, liability insurance pays to repair or replace the other driver's car and pays other people's medical expenses up to the limit of coverage. If your coverage isn't enough to pay for all the costs, the rest comes out of your pocket. More liability coverage can help avert financial disaster. Give us a call to talk about increasing your liability coverage and adding additional protection and Peace of Mind.
a. By requesting a higher deductible, the portion you pay before you are insurance kicks in, you can typically lower your insurance premiums. As an example, going from a $500 deductible to $1000 collision deductible may offer some savings on your auto insurance costs.
a. You do not need to add your teenager when they are permitted to drive. We ask that you call when they are fully licensed and then add them to your policy.
a. It doesn't matter whether your vehicle is red or blue period what's important is the year, make, model, body type, engine size, age of your vehicle, and your driving record. So get whatever color you like and give me a call to make sure your car is properly protected. We are here to think about your insurance.
a. In Florida, dog bites are considered absolute liability. In addition, most carriers exclude animal liability from their policies. There are some carriers that offer animal liability protection. However dogs that have a history of bites, or are considered “vicious” will be excluded from coverage. If you'd like to know more about animal liability please give us a call.
a. If you put an addition on your home (such as a pool or a detached garage) you should definitely give us a call to make necessary changes to have adequate coverage. Most companies have an inflation guard protection built into the policy. This raises your home 2 to 4% year over year and make sure that your dwelling coverage is adequate. Give us a call to make sure your company offers this feature.
a. The simple answer is no. Flood insurance is a separate policy. If it rains, it can flood. Give us a call to understand your options about flood insurance. The Peace of Mind of a flood policy is cheaper than you think.
a. The simple answer is, you are. Your policy provides coverage for falling objects and your neighbor’s tree is no exception.
a. Umbrella insurance is a type of insurance that adds excess liability coverage over and above other insurance. It doesn’t coverage anything tangible. Instead, it insulates your wealth from being exposed in a lawsuit if you’re found legally responsible for damages.
a. It has been our experience, that customers will buy an umbrella policy because they want to prevent the possibility of financial ruin due to an unforeseen accident. Umbrella insurance provides the protection to prevent such an outcome.
a. We offer policies from 1 million up to 5 million. As with all insurance decisions, the amount of insurance that is right for you depends on your individual situation and risk tolerance. Net Worth is one factor to consider along with your current and expected income. Give us a call to understand your options about umbrella insurance. The Peace of Mind of an umbrella policy is cheaper than you think.
a. The short answer is yes, everyone should have life insurance. Whether you’re a policyowner and the policy insures your family, or you’re the policyholder and the insured… everyone should have life insurance. Benefits from life insurance are tax free and can replace an income lost from losing a loved one.
a. It would depend on each individual’s situation, but it most depends on the age of the insured and your needs of the life insurance. Are you leveraging your life insurance against your mortgage (end-of-life expenses)? If so, then term policy might be best. Are you fresh out of school and trying to do some estate planning at an early age… then perhaps permanent life insurance with an investment aspect is best for you. Give our office a call and we can discuss a plethora of options with regards to Life Insurance.
a. Your employers life insurance policy is group life insurance. One you leave that job, your life insurance terminates. Your insurability is conditional based on your employment. A policy from an independent life insurance agent is better suited for your estate planning and will stay with permanently (IUL and whole life insurance). Lastly, your life insurance policy from your employer may not offer enough coverage.
a. The short answer is yes. Call us to discuss whole life insurance that transfers to your children when they turn 18.
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