Who Has the Cheapest Auto Insurance in Florida?

Shopping online for your auto insurance saves you a lot of time and allows you to compare shopping between multiple companies.  When you’re shopping for Florida auto insurance,  you want to be sure you’re armed with some facts before you get started comparing quotes. Let’s take a look at the basic information you need to know about coverage here in Florida.

If you have a vehicle licensed in the state of Florida you need insurance according to https://floridainsurancequotes.net/florida-auto-insurance/.  There are some minimum requirements that must be met.  Your policy must have two types of coverage, personal injury protection (PIP) and property damage liability (PDL).  The state required minimum amounts for these coverages are $10,000 for PIP and $10,000 for PDL.  These coverage amounts are mandatory by the state of Florida.

You might also be required to carry bodily injury liability (BIL) if you’ve ever had an accident or if you have certain convictions charged on your record. 

Explaining PIP, PDL and BIL

The PIP portion of your insurance is to cover any injuries caused, even though you might not be the driver of the vehicle.  If you let another licensed driver drive your vehicle and they have an accident, any injuries would be covered. 

It will even cover you if you get involved in an accident and you’re a pedestrian as long as a vehicle is involved in that accident. In Florida https://floridainsurancequotes.net/florida-auto-insurance/ says PIP is also known as No Fault Insurance.  It will pay out benefits no matter who caused the accident. 

The PDL part covers damages you might cause to someone else’ property when you’re involved in an automobile accident.  Again, it will cover the damage for any licensed driver operating your vehicle at the time of the accident.

BIL offers coverage when an accident results in serious injury or even death.  It can offer legal assistance if you get sued and can even protect you if someone causes an accident and is driving your vehicle without your permission.  It can also cover you and members of your family when they’re driving someone else’s vehicle.

Penalties for Not Having Insurance

You will be penalized if you’re caught without automobile insurance.  The state of Florida will take away your driving privileges if you let your insurance coverage run out.  The license plate for your automobile will also no longer be valid.  They can penalize you for up to three years, or until the time you produce proof that you have coverage.  The state will also fine you a reinstatement fee for giving you back your privileges. 

Getting Florida auto insurance at https://floridainsurancequotes.net/florida-auto-insurance/ offers you a chance to compare various companies and find a policy that will fit your needs and your budget.  Costs can vary widely among companies so comparison shopping is worth the time.

After doing the proper Florida auto insurance shopping, you’ll be ready to get the insurance you need before you try to get your car registered.  You can get everything you need set up and be ready when you go to license your new or used vehicle.

Who Has the Best Homeowners Insurance in Florida?

Many homeowners in the state of Florida are unsure when it comes to how much coverage they really need. Especially because Florida is prone to so many natural disasters. Disasters that can easily destroy your home within seconds! In fact, did you know that three out of every five homes are underinsured? Is your home one of them? Let’s face it, can you afford to shell out $50,000 to rebuild a home that has a $250,000 replacement value?

Ask yourself if you can afford to be held liable for any shortfalls due to inadequate insurance. Many insurance experts recommend that you review how much insurance you should carry on your home and personal belongings. A reviewal may be able to show you that you do not have enough coverage. According to https://floridainsurancequotes.net/florida-homeowners-insurance/, many homes near the coast of South Florida are for the most part over insured due to consumers believing that their coverage should be equal to the purchase price.

The best time to think about changing your Florida homeowners insurance coverage is around the time your current policy expires. This is due to insurers not allowing you to change your coverage midterm. If however, you are determined to make these changes you can start a new policy with a different company and cancel your current policy.

One of the first things you need to do is to determine how much it would cost to rebuild your home and replace all the contents inside. This can be done by talking to an insurer about the details of your home. The best Florida homeowners insurance that properly covers you is a must and this is a great way to begin. Most policies will be able to cover your belongings up to a certain limit. You’ll also need to determine if you want to insure your belongings for actual cash value or the replacement value.

You should also think about if you want to buy a flood insurance policy. By not having this coverage, you really have a huge gap when it comes to being covered. Since you are a FL resident, https://floridainsurancequotes.net/florida-homeowners-insurance/ says you have a higher risk of flooding damages to your home.

Next, you should also consider your hurricane deductible. For the most part, companies will be able to offer hurricane deductibles on the windstorm section of their policies. You can choose 2 percent, 5 percent, or 10 percent. Your premiums can be lowered by choosing larger deductibles.

Finally, be sure to check these other options when reviewing the best Florida homeowners insurance:

  • Check your loss of use coverage
  • Buy additional coverage for expensive items
  • Maintain enough liability coverage

Now that you know how to determine how much coverage you need for your Florida home, you can ensure that you are not underinsured after a disaster strikes. This will not only protect your home but also you financially, according to https://floridainsurancequotes.net/florida-homeowners-insurance/. Follow the information above and receive just the right amount of coverage.

How Much is Boat Insurance in Florida?

You have always dreamt of having your own boat, being able to take her out on the water anytime you want for fishing and nature watching. You’ve always preferred the lurching of the planks as opposed to the steadiness of the ground. Now you are finally going to live out your dream!  Your first boat! Whether it’s a small motorboat or a large impressive yacht, it is yours and you better protect it! Getting Florida boat insurance will protect you if anything happens to her either at the dock or in the sea.

Find a FL boat insurance agent at https://floridainsurancequotes.net/boat-insurance-quote/ who will help you create the best policy for you.  If you want to save on your monthly premiums and have some financial padding to absorb small repairs to the ship, then you can choose a policy that is only for larger boat damages. Policies tend to cover physical damages and liability protection.

If you already have Florida boat insurance and you are just renewing it, make sure that the value of your boat is used for calculations is its current one, not the one based on when it was brand new and in top shape.

Important Information to Gather

When searching for quotes, make sure you have the following information: hull size, the purpose of the boat, type of engine and when it was built. Getting the best deal is, of course, important, but you don’t want to do it at the expense of comprehensive coverage.  A boat is an expensive investment and if something happens to it, you are going to need help to recoup your losses.

Starting with free online quotes will allow you to see all your options clearly, but be careful.  Sometimes these cheaper policies don’t have all the coverage options that you need.  Make sure you comb very carefully through any policy before signing it.

Boats most commonly covered under Florida boat insurance are sailboats and power boats that are usually anywhere from about 17 feet to close to 27 feet in length. Your agent will take into consideration factors like size and where the boat will stay docked. As well what her traveling grounds will most likely be.  Is she a riverboat or will she be heading out to the open ocean? The age of the boat and the experience of the owner are also significant factors as well.

What is Covered Under Boat Insurance in FL?

The physical damage part of your policy is meant to cover the cost of any repair done to your ship’s structure or equipment or to pay for the replacement of the whole vessel or individual parts. This includes any furnishings on board, the sails, any onboard appliances or machinery.  Your boat trailer would be included as well, but any personal effects you are storing on board would have to be covered under a different policy.

Liability-wise your policy will cover you if your boat collides with another vessel causing damage or injury or if something happens to a guest while on your boat. You will also want protection from other boaters who do not have insurance according to https://floridainsurancequotes.net/boat-insurance-quote/. You will enjoy your boat more when you can set sail under the protection of Florida boat insurance.