With so many different Florida home insurance companies today, it can be tough to review them all. Once you factor in insurance protection, prices, and the best customer service, finding the right home insurance company is a must.
Finding the right coverage can be significantly more difficult than many people believe it to be. But by paying attention to the questions and answers below you’ll be able to speed up the process of finding the best home insurance available from the kind of companies that you can be proud to do business with.
How long has this company been around?
Only choose to work with home insurance companies in Florida that have been around for at least a decade or so like this one, as well as companies in the industry that enjoy fantastic reputations among their clients, customers, partners, and employees. New companies are usually very aggressive and can offer fantastic deals.
How easy is this company to research?
Always – ALWAYS – see what Google has to say about any of the insurance companies you are thinking about moving forward with. This is a bit of a no-brainer kind of tip in a world where all of us research EVERYTHING before we make a purchasing decision, but you are still going to want to dive into the details when you get the chance to do so.
How responsive are their homeowner insurance agents?
The attitude and responsiveness of a homeowners agent that you have been speaking with (while looking into a company) will tell you a lot about how these professionals are going to treat you in the future. You don’t necessarily have to work with agents from home insurance companies in FL here that you would love to hang out with personally, but you should be on the lookout for insurance agents that are friendly, personable, and care about getting you results.
How speedy is the claims process?
Even the best protection and coverage, at the best possible price, is going to be absolutely worthless unless you are able to move forward with a rapid claims process that allows you to utilize the protection you have been paying for when you need to. Beyond the lookout for speedy claims processes and apartments from companies that you can trust and you won’t have any trouble whatsoever.
Managing millions of people in the state of Florida are rules and requirements that provide support when personal rights come into question. Protecting financial investments as well, these laws help provide the framework in which the state operates. Here are few frequently asked questions when it comes to Florida auto insurance requirements.
Im registering a vehicle for the first time in Florida. Do I have to purchase insurance?
Yes, If you want to register any type of vehicle with four wheels, you must have it insured according to this website.
What happens if I go without auto insurance in Florida?
Never go without coverage. It’s not a smart decision. No car insurance? If you are in an accident that’s determined to be your fault and your friend becomes injured you will be stuck paying all of those medical bills. This would lead to you having bad credit and will eventually lead to you declaring bankruptcy. It’s not worth losing everything you own.
So what type of insurance do I need to purchase for FL license and registration?
The minimum amount of coverage here in FL is $10,000 Personal Injury Protection, and $10,000 Property Damage Liability.
Personal Injury Protection is also known as Florida No-Fault insurance. PIP coverage will cover you no matter who is at fault for the accident. However, this coverage will only cover you up to a certain amount. (This limit is stated in your policy.) PIP will also cover your family members and certain passengers who do have PIP coverage.
A basic PIP will cover up to a certain dollar amount and will cover these items:
- 80% of medical expenses
- Up to 60% percent of any lost wages and replacement services.
- A $5,000 dollar death benefit
Property Damage Liability protection will simply pay for any damages you or your family members are responsible for to other peoples property in a crash.
Florida auto insurance requirements also show that drivers must have the minimum vehicle insurance requirements or else risk suspended licenses and in some cases a fine.
Also, keep in mind that you can add other types of coverage to your policy too. These optional coverages are Comprehensive Insurance, Collision Insurance, and Rental Car Coverage. While not mandatory, this coverage can add extra peace of mind for drivers who want complete protection while out on the road.
Keep these Florida auto insurance requirements in mind when it comes time to shop for coverage here. Also, keep in mind that you can purchase additional coverage. Never drive uninsured, it’s not worth the risk.