Everybody needs some kind of insurance, no matter what their situation is. In fact, depending on your situation, your coverage needs could be vastly different from a similarly sized family. Whether you rent or own our home is one deciding factor that is very important. Either way, a Fort Lauderdale FL insurance broker can sit down with you and figure out what you need.
Florida residents are actually not required to have homeowners coverage, but most get one despite this. They also often get flooding policies to guard against storms and hurricanes.
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.
If you have specialty items such as a boat, you will need even more coverage to keep your family financially safe. Marine insurance is a must in this case, or in the case of things like jet skis as well. Large gatherings such as a wedding or family reunion deserve their own policies as well, just in case.
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.
You have a ton of choices when it comes to insurers, but that does not mean that they are all created equal, or that they will all go out of their way to make sure your family is covered. Find a reputable company that will only try to sell you on what you need, and not on anything that you do not need. They should give you full coverage while also striving to save you money so you can enjoy life, yet be prepared for anything it brings.
Florida residents are actually not required to have homeowners coverage, but most get one despite this. They also often get flooding policies to guard against storms and hurricanes.
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.
If you have specialty items such as a boat, you will need even more coverage to keep your family financially safe. Marine insurance is a must in this case, or in the case of things like jet skis as well. Large gatherings such as a wedding or family reunion deserve their own policies as well, just in case.
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.
You have a ton of choices when it comes to insurers, but that does not mean that they are all created equal, or that they will all go out of their way to make sure your family is covered. Find a reputable company that will only try to sell you on what you need, and not on anything that you do not need. They should give you full coverage while also striving to save you money so you can enjoy life, yet be prepared for anything it brings.
About the Author:
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