As an independent agent, I can offer my customers personal insurance products that provide protection for their homes, automobiles and personal possessions, along with personal liability coverages.
How I serve you is as important as what I provide. First, I listen to you… we discuss your needs and I answer your questions. Next, I look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.
I provide the following types of personal insurance protection:
- Auto (Personal)
- Boat /Marine
- Motor Home /RV
- Personal Umbrella
- Personal Watercraft
- Scheduled Personal Property
This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.
The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Boat / Marine
Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.
Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometime called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
Condo insurance provides coverage for your unit where your condominium associations insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your associations insurance probably will not cover.
Every associations insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condo by-laws carefully.
Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be separately obtained. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
When it comes to the most valuable types of insurance you can have in Florida, flood protection ranks highly on the list. While Florida is undoubtedly one of the most beautiful states in the country, it is also one of the most prone to floods and other natural disasters. This is why one of the most important types of coverage we offer is flood and hurricane insurance. Including this type of coverage will help you protect what is most valuable – the security of your family.
If you have tangible assets, you need the protection of a homeowner’s policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner’s policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier not you in the event of a loss.
Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance.
Motorcycle insurance is a way of sharing the risks of driving between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet your needs.
Motor Home / RV
With as much effort as you expend to purchase your dream motor home, it is also important to select an appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.
You don’t have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.
Personal watercraft, such as jet skis and wave runners are often our customer’s first step into the boating world. Personal watercraft are extremely invigorating and fun for water lovers of all ages; however, they are not toys. Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. I offer a range of policies that are specifically geared towards your personal watercraft. Likewise, my expertise in this area also allows me to provide commercial marine insurance for companies that rent personal watercraft.
As a renter, you need to protect your personal property against theft and damage. The renter’s insurance that I offer is hard to beat for convenience and value. Plus, it will assure you the peace of mind you need for your valuable items and electronics.
Personal property items are all the things you own that are not considered a permanent part of your house’s or apartment’s structure. They’re things like furniture, clothes, bikes, and television sets. In insurance lingo they’re also referred to as your home’s “contents” and are referenced in your policy under “Coverage C — Personal Property.”
You can add a Scheduled Personal Property (SPP) endorsement to your home, condo, or renters insurace policy, which acts like a mini-insurance policy on the valuable items that are listed. If you have an item you believe needs extra protection, contact me for more information.