Homeowners Insurance Florida March 12, 2015

South Florida Homeowners Insurance – Why You Need It

South Florida homeowners insurance in most cases, is not a choice, it is a requirement if you are paying a mortgage. However, even if you completely own your home in South Florida, you still want to consider the risk you are taking without the coverage and piece-of-mind that homeowners insurance provides to homeowners. When you weigh the risks against the cost of maintaining South Florida homeowners insurance, you will agree with us that it is better to have it than to be caught without it.

What Does South Florida Homeowners Insurance Cover?

Your homeowners insurance coverage is going to depend on the policy that you select. For example, a basic policy will simply cover the dwelling. In other words, a basic policy will cover the structure of your house, as well as other structures, like the garage, that is attached to it. If there is a fire or a severe storm (tornados and hurricanes may or may not be covered), your policy will pay you for the damages. More intricate policies will cover dwellings which are not attached to your home, like a shed, an unattached garage, boundaries, fencing, etc.

Then, there are South Florida homeowners insurance benefits that cover your personal property, whether inside or outside of the home, if damage or loss occurs. A Loss of Use policy, which is another example of a homeowners insurance policy, will reimburse you any costs that you incur if your property becomes uninhabitable due to any of the losses that your insurance policy covers. If someone gets hurt or injured on your property and decides to sue you for liability, and you have Personal Liability Insurance, you will be protected and financially covered. Then, if medical payments are involved in the lawsuit because a third party is injured on your property, this type of coverage is also available.

What Is NOT Covered?

You should also be aware of what is not covered by your South Florida homeowners insurance policy. Most insurance policies do not cover water damage that occurs to a home, nor do they cover mold damage, which can be extremely expensive to repair, and the longer they go on untreated, the worse the damage can become. Therefore, if you have water or mold issues in your home, you will want to hurry up and take care of the problem, because you will not be able to count on your South Florida homeowners insurance to reimburse you for any expenses that you incur from water or mold damage to your home.

Read your South Florida homeowners insurance policy carefully when you get the paperwork and ask your insurance agent any questions that you may have. This way, you will fully understand which types of coverage you have and which parts of your home and land will be covered when problems or accidents occur on your property.

Where can I get Homeowners Insurance in South Florida?

With today’s internet, obtaining Homeowners insurance in Florida is easy. Simply visit an online website and get a free quote from every available company or you can visit each individual company and get a quote from each one.

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Florida Auto Insurance Liability Minimums May 7, 2014

Understanding Florida Auto Insurance Liability Minimums

As a driver it is imperative that you gather the appropriate amount of insurance coverage to protect you, your vehicle, and any other person driving your car.  In the state of Florida, they have no-fault and PIP (Personal Injury Protection) insurance laws to sufficiently protect drivers on a larger scale.  These laws also help to reduce the total amount of liability suits that have the possibility of being filed.  The system itself is slightly complicated, but your insurance company will deal with the complicated aspects.  If you’re interested in learning more about Florida auto insurance liability minimums, visit this website or this guide will help explain the process to you.

Property Damage and Personal Injury Protection

The state of Florida requires that every driver have a minimum liability coverage for at least $10,000.00 on both personal injury protection and property damage.  The insurance offered is a complete no-fault insurance due to the fact that if you are in an accident and are at-fault, your insurance will pay for all of the damage incurred to the other party.  Whereas with generic insurance, each party will take care of their own amount of loss.  The main objective of this personal injury protection and property damage insurance minimum is to help to cover any expenses in terms of medical needs and other personal losses in the event of an accident.

Bodily Injury Liability Insurance

Another part of Florida auto insurance liability minimums is being covered by Bodily Injury Liability (BIL).  Certain drivers will be required to have coverage for BIL if they have had previous accidents or traffic violations.  This type of insurance coverage will help to pay for any serious/permanent injuries or death of the other party if you are ever in an automobile accident.  The minimum for Bodily Injury Liability coverage is 10/20, meaning that your insurance company will pay up to $10,000.00 per person that was injured due to the accident in the other vehicle but no more than $20,000.00 per person.

Insurance Coverage Pay Scales

Another component of Florida auto insurance minimums is the amount of money that your insurance company will pay in the event of an accident.  Depending on the amount of your deductible and the amount of insurance that you purchased, these numbers could vary.  Generally, your insurance company will pay up to 80% of your medical costs which is 200% more than Medicare.  Within that 80%, you will receive $5,000.00 in emergency room and in-patient medical visits.  Depending on your policy, you may also be able to collect 100% of certain services like housekeeping.


Once you have signed with an insurance company and are aware of the Florida auto insurance liability minimums, you may encounter a situation where you require legal assistance.  You can bring forth a lawsuit for significant loss of functions and permanent injuries.  If you find that you have been in an accident where you have been severely injured, your insurance company will help you to get the funds that you deserve.

Auto Insurance Florida

Obtaining car insurance isn’t difficult but can be a bit overwhelming if you don’t know who to contact. Your best bet is to go to a website that offers multiple quotes from various insurance companies so that they can give you the best possible quote in the least amount of time.

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