The amount you need from an insurer depends on a lot of things. If you own your home, you need homeowners' or condo owners' policies. For renters, you will need renters' insurance (many landlords, in fact, require a policy with a certain level of coverage for liability). A Fort Lauderdale FL Insurance Broker can help you get what you need so you are always covered.
Although homeowners' insurance is not required in Florida, it is a good idea. Separate flood coverage is also almost mandatory in a state with low lying land and numerous powerful storms.
You do have to cover your car in Florida, to the tune of at least $10,000 for personal injury protection, and the same amount in property damage liability. Some people, for simple peace of mind, decide to get more, which is perfectly fine. You should sit down with your broker and have a serious conversation about just how much you should have and what your needs are, including uninsured motorist coverage.
You might also need other forms, for example, marine coverage is quite different from auto, and you will need for any boat that you take out to sea. Jet skis should also be insured under a policy. You might also consider insuring a special event such as a wedding, large birthday or graduation party, etc.
Your health is another really important family issue, so you should have insurance for that. Your job should cover you if you are full time, but a broker can help you with other stuff such as disability plans.
There are many insurers to choose from, so you really want to make sure you are getting the best for your needs. Do not settle for one that tries to upsell you all the time, or make you purchase policies that you do not actually need. There are many unscrupulous ones who may try to do this. Instead get one that strives to cover all the basis while still saving you money, as this is the ideal situation to get you covered for any of life's challenges.
Although homeowners' insurance is not required in Florida, it is a good idea. Separate flood coverage is also almost mandatory in a state with low lying land and numerous powerful storms.
You do have to cover your car in Florida, to the tune of at least $10,000 for personal injury protection, and the same amount in property damage liability. Some people, for simple peace of mind, decide to get more, which is perfectly fine. You should sit down with your broker and have a serious conversation about just how much you should have and what your needs are, including uninsured motorist coverage.
You might also need other forms, for example, marine coverage is quite different from auto, and you will need for any boat that you take out to sea. Jet skis should also be insured under a policy. You might also consider insuring a special event such as a wedding, large birthday or graduation party, etc.
Your health is another really important family issue, so you should have insurance for that. Your job should cover you if you are full time, but a broker can help you with other stuff such as disability plans.
There are many insurers to choose from, so you really want to make sure you are getting the best for your needs. Do not settle for one that tries to upsell you all the time, or make you purchase policies that you do not actually need. There are many unscrupulous ones who may try to do this. Instead get one that strives to cover all the basis while still saving you money, as this is the ideal situation to get you covered for any of life's challenges.
About the Author:
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