Florida Insurance Quotes

Is Boat Insurance In Florida mandatory?

While you are not required to have boat insurance in Florida, you are required to obtain a boating safety id card, to register and title your boat in the state of Florida, and carry specified boating safety equipment. The insurance is not required by state law, but if you have a lien on your boat, it is likely that your lien holder will require you to have coverage on your boat.

Florida waterways can be quite busy. It is a good idea to have insurance on your boat for your own protection. Proper coverage can protect you in the event of a hurricane or severe storm. It is likely that any damage that occurs to your vessel due to unforeseen circumstances can lead to very costly repairs.

Depending on where you store your boat, you may also be required to have boat insurance according to For instance, if you keep your boat in a marina, they will likely require you to have coverage to protect the property of other people in the event of any damage or injury.

If the value of your boat is over $1,000 it is highly recommended that you obtain coverage. There is a good chance that your homeowners insurance policy may offer limited coverage for watercraft and boats. This is certainly something that you should check into.

Boat policies generally cover things such as:

•       Limited damage repairs up to $1,000 for the vessel. This only covers certain types of damage.

•       The liability part of your homeowner’s policy may cover a small portion if you are injured or if there is property damage to others. However, this comes with many restrictions.

•       Certain personal property that is brought upon the boat. However, if this is exclusive to the use of the boat, it is not covered.

This is where the boat insurance in Florida comes of great benefit. It will provide coverage for:

•       Damage that may incur to your vessel or even personal property. This will have a deductible. Coverage will be in effect no matter if the damage occurs on the water on while the boat is on a trailer.

•       Covers liability in the event of damage to others.

•       If you or a guest suffers personal injury, your medical expenses will be covered.

•       Should you or your boat suffer injury from another vessel that is uninsured, your policy will pick up and pay.

•       In the event that you become stranded and need to be towed, you will have towing coverage.

As you can see, there are many positive benefits to obtaining boat insurance from and it is something that you should certainly check into if you haven’t already.

Florida Insurance Quotes

How to Get the Most out of Your Auto Insurance in FL.

If you own a car, auto insurance is a necessity. While many of us lament spending the money for insurance each month, there will inevitably be times in your life when you’ll be thankful to be insured. Make that monthly bill easier to swallow by learning the facts about your insurance policy and discovering some great discounts that you might be eligible for.

Why Get Insured?

Insurance is a necessity for anyone who is driving according to Paying for insurance means paying for the peace of mind that comes with knowing that if you are ever involved in an accident, your car repairs and medical bills will be covered. It also means that if the person you are involved in an accident with is not properly insured, you won’t be stuck with the bill. Insurance is not only a necessity, but a way to hit the road with confidence.

Creating Your Policy

The process of getting an insurance policy isn’t as difficult as you might think. Find an insurance agent that you trust and sit down for a conversation that will help you to understand what your policy includes. An insurance agent will be able to give you all of the information you need and can help to explain any terms and conditions that you might not understand. When you leave a meeting with your insurance agent, you should have a good understanding of your policy. You’ll also know exactly how much you’ll be paying and whether you’re eligible for discounts at

What You’ll Pay

There are two costs associated with insurance policies: premiums and deductibles. The premium is the amount that you’ll pay each month to stay insured. This number will depend on a number of factors including your age, marital status, driving record, and the type of car that you choose to insure. The other cost to know about, is your deductible. This is the amount that you’ll pay for repairs or medical costs before your insurance kicks in. For example, let’s say you have a $100 deductible and you are in an accident causing $500 of damage. You will pay the first $100 and your insurance will pay the remaining $400. After calculating the costs, be sure to ask about ways that you can save.

Safe Driver Discounts

Most insurance companies offer some type of discount for those who have a good driving record. This is a time when being a safe driver can really pay off. Having a clean record can take a lot of money off of the premium that you’ll pay. It shows your insurance company that you know what you’re doing behind the wheel. This is important as it lets the company know that you won’t be a high risk client that will be turning in claims time and time again.

Student Discounts

Are you a high school or college student? Are you the parent of a child in high school or college and including that child on your insurance policy? If so, ask about student discounts for your insurance premium. Many insurance companies love to recognize excellent students and reward good grades. Bring in proof of your good grades and find out if you’re eligible for discounts.

Discounts for Classes and Courses

Many have had to take a driver’s safety course before getting a driver’s license. Students should take note that this course can be a way to get a discount on insurance. However, as adults, there are even more courses that can be taken to get even more money taken off of premiums. Be sure to ask your insurance agent if there are any classes available for you. Often, these courses are as simple as watching a video and reading a bit of information. This information is valuable in making you a better driver. Not only will you increase your knowledge about specific driving topics, but you’ll also benefit from the insurance discounts.

Multi Policy Discounts

Multi policy discounts will benefit both you and your insurance company. Ask your insurance agent about transferring all of your insurance policies to their agency. This will make things extremely convenient for you. If you ever need to file an insurance claim, you’ll never know exactly where to go and who to talk to. Having all of your information in one place will save you time and also save you money if you qualify for a multi policy discount. Your insurance company will benefit from the extra business that will come if you bring your additional policies (such as homeowners, renters, or life) to them.A simple conversation with your insurance agent here may be more beneficial that you thought. Take some time to discuss your options and find out if you’re eligible for some great discounts.

Florida Insurance Quotes

Does global warming affect homeowners insurance rates in Florida?

We have heard a lot about Global Warming in recent years, and how many scientists and meteorologists think it affects the weather and weather patterns.  When extreme weather events occur, it is only natural to question the role Global Warming plays.  Due to its proximity to the ocean, Florida has always been a hotspot for extreme weather activity, but whether or not that pattern or the severity of the storms will increase is not exactly known yet.

Some of the best homeowners insurance Florida agents wonder the same thing, and they work hard to stay apprised of news and research regarding Global Warming, climate change, and weather patterns.  But this doesn’t change the fact that, as a peninsula in a warm climate, Florida has always been affected by severe weather and always will be.  

It is better to be prepared

The best homeowners insurance Florida has to offer covers fire, theft, vandalism, wind, and even water and flood damages.  Most homeowner’s policies do not cover water damage by default, so be sure to ask your agent if yours does.  Any additional fees associated with better coverage will pay for themselves, should tragedy strike.

Warmer air holds more moisture, and Global Warming affects the sea-surface temperature, or SST, brining about changes in the atmosphere, weather, and weather patterns.  Florida’s panhandle shape and proximity to the Equator also affects the SST, and all of the other factors comprising its weather.  While data on Global Warming’s effects is still being gathered, there is good evidence to suggest that it could affect Florida’s weather. 

While this effect could take years to be noticed, the best homeowners insurance Florida residents can get already covers the damages associated with extreme weather events and conditions, regardless of what causes them.  And it is not just the storms you need to worry about: Global Warming’s effect on the climate means warmer conditions, and that means more moisture.  Those conditions are perfect for mold, mildew, insects, and water damage to wood and wallpaper.

With the right homeowner’s policy, you do not need to worry about these things!  After you speak with your agent and determine which insurance plan best fits your needs, you can rest assured that no matter what happens, you are covered.

You do not have to be a scientist to know that a solid homeowner’s insurance policy is necessary, especially in Florida.