Will my FL Home insurance cover my computer?

  • February 19, 2019

Everyone has a personal computer. May it be they use it to browse the web, shop, or play games. To a great majority of people, their computer is their life. They use it for everything and would be completely lost without it. However, have you ever thought about what if your computer was stolen or destroyed? If you have Florida home insurance it will protect your computer. If you do not, you will need to collect a homeowners insurance quote at https://floridainsurancequotes.net/florida-homeowners-insurance/.

An insurance policy will include personal property coverage. This is designed to help you protect all of your belongings in the home. This is especially true for your belongings such as your computer.

How exactly does personal property work?

It is very important to understand how home insurance in FL covers your belongings. This type of insurance will provide your stuff protection against certain risks. This is also known as perils. For example, your insurance policy will be able to provide you with coverage for your computer if it is lost, stolen, or becomes damaged due to a fire.

When will my homeowners insurance not cover my computer?

It is also important that you understand how your Florida homeowners will not cover your belongings as well. For example, you would not be covered if your computer suddenly breaks down or it falls off your desk and becomes damaged.

How much coverage do I need?

It is essential to know how much coverage you need when collecting a home quote in FL from https://floridainsurancequotes.net/florida-homeowners-insurance/. You must understand how much coverage your policy will provide you and your belongings. Your personal property limit is stated in your policy and it is the maximum amount your insurance will pay after a covered loss occurs.  You will have two types of coverage options. These include actual cash value coverage and replacement cost coverage.

Actual cash value coverage – this type will reimburse you for the current value of your computer if it becomes lost, stolen, or damaged in a fire.

Replacement cost coverage: This coverage will protect your belongings without the factor of depreciation. This means your item, for example, a computer would be replaced with one of a similar make and model.

Therefore if you are still waiting around to purchase home insurance, get to it! It really doesn’t take that long to get the coverage you need. Start off by collecting an insurance quote and the rest will follow. Get your quote now!

Florida Auto Insurance Liability Minimums

  • February 18, 2019

Each state has its own set of liability premiums for auto insurance.  The liability premiums represent the amount of money your company will pay out at a maximum for each person injured and for the accident in its totality.  The higher the liability premium, the better coverage is your liability insurance.  Most states have a minimum liability insurance amount and you’re required to pay insurance for at least the minimum number.

Every state has a set minimum and according to https://floridainsurancequotes.net/florida-auto-insurance/, Florida is no different.  Like most states, Florida has a no-fault policy, which means that your policy will pay your personal medical costs even if you weren’t at fault in the accident. 

The minimum Florida auto insurance requirements are relatively low, only $10,000 dollars.  This easily lowers the price of hospitalization for an injury.  The property damage liability figures are just as low, only $10,000.  It is easy to incur this amount of property damage, after which you will be liable.  Think about these numbers when signing up for auto insurance and decide whether you want more liability auto insurance—not just the minimum amount. 

What does Personal Injury Protection Cover?

The Florida auto insurance minimums include personal injury protection.  Personal injury is an injury anyone gets because of an accident.  It includes the following sets of people:

  • You as a pedestrian or bicyclist in an accident.
  • You as a driver of a motor vehicle
  • Any member of your household who is also injured
  • Your child who might get injured on the bus going or coming from school
  • Any passenger in your car who doesn’t have their own car and doesn’t have personal injury coverage themselves.

This means that if you are a passenger in someone else’s car and they don’t have insurance (or even if they do), it is your personal injury protection that protects you from having to pay high prices at the doctor’s office or hospital. 

What about Property Damage Liability?

Property damage liability involves any damages you cause to a person’s home, buildings or other personal property.  According to https://floridainsurancequotes.net/florida-auto-insurance/ the minimum is $10,000. This can be too low a sum when it comes to damaging someone’s home or a non-residential building.  Make sure you are prepared to pay whatever amount exceeds that liability amount. 

What happens if you don’t get the minimum?

Insurance companies know the minimums for Florida auto insurance and will guide you to purchase at least the minimum amount of insurance.  If you cancel your insurance for any reason, the department of highway safety and motor vehicles in Florida will be notified and will send you a letter and will suspend your driver’s lights, your registration and your plates.  They will give you some time to reinstate your insurance for the state of Florida. 

It will cost you a fee to reinstate your insurance after cancellation.  It costs $150 for the first offense and $250 fine for the second offense.  For each offense thereafter, you’ll pay $500 to get all of your driver’s needs reinstated. 

If you can prove that the cancellation was a mistake and that you have proof of insurance by some reputable company with the minimums established, the state of Florida will reinstate everything at no cost to you, provided you have given your proof before the suspension date. 

What Is Florida Boat Insurance?

  • February 17, 2019

Wind in your hair, the sea beneath your feet, the coast just miles away and you are chasing the sunset. Sound like a dream? It doesn’t have to be. Just as there is life insurance, health insurance and home insurance, there are many companies that offer boat insurance as well. Protecting your boat should be just as important and as easy as protecting your home.

Don’t waste anymore time or money on makeshift companies that will scam you out of your money and give you a false quote. Choose Florida Boat Insurance at https://floridainsurancequotes.net/boat-insurance-quote/ and get your boat covered now.

Don’t Get Boated Out

Most people have actually never heard of boat coverage or anything of the like. Florida Boat Insurance has been around since 1911 and has helped people rest easy while their boat is docked. This company can protect your vessel and you from vandalism, accidents, theft and personal liability. Even if you are only a prospective buyer or currently own a yacht, boat, sailboat or personal water craft, any local Florida Agent can give you the right Florida Boat Insurance policy at the right price. You don’t have to call in for a quote if you don’t want to, go online or do it by phone, it’s as easy as dialing the numbers.

What is the Purpose of Boat Insurance?

Anyone knows accidents happen; so most boat policies cover furnishings, hull sail damage, and most other equipment including machinery. Even vandalism, collision, sinking and mischief can be covered as well. Damage to any boat is expensive and Florida boat coverage from https://floridainsurancequotes.net/boat-insurance-quote/ is there to make sure your pocket does not dry out. Insurance needs vary by age, type and value of your watercraft or boat. Your policy can be explained in detail what can be covered and what is excluded.

What About Liability?

Like any moving machine, boats cause damage, just as cars do, to any thing around them. With Florida Boat Insurance, you can be insured against liability losses. Any damage you inflict upon another boat, sailboat, yacht, dock, or personal water craft can be covered. They even cover any harm, like bodily injury or death, to any other person while the machine was being operated. With most boat policies, the boat trailer can be protected from damage or physical loss from any external use.

Boat policies also offer additional coverage that you can purchase such as:

  • Personal property coverage
  • -Injury to you caused by an uninsured boater
  • Fishing equipment coverage

Bow riders, cuddy cabins, center consoles, ski boats, walk arounds, jet boats,pontoons,  sailboats, PWC’s,  commercial vessels, private pleasure craft, bass boats, commercial fishing, cargo and charter international risks boats can be covered by Florida Boat Insurance.

Even when you are not sailing, if you have physical damage (comprehensive and collision) it will be covered. For when your boat is not in the water, only Liability, and Uninsured Motorist and Medical Payments will be covered. Ever heard, “don’t worry, we’ve got you covered,” if you have, then don’t worry, FloridaInsuranceQuotes.net/boat-insurance-quote has got you covered since 1991.