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.
In Florida, you are not required to have a homeowners policy, but you may want to get one anyways. In addition, flood coverage is a really good idea due to frequent inclement weather.
Auto coverage is mandatory - you need at least $10,000 personal injury protection and $10,000 property damage liability. Florida is a No Fault state, meaning that you are reliant on your own coverage for all but permanent injuries - so you should consider how much liability you actually need. Depending on your income level, $10,000 might well not be enough. Uninsured motorist coverage is also a good idea.
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.
As for health policies, some people get it through their employer. If you don't, or if you want it for things not covered by standard policies such as long-term care, a broker can help with that too.
In other words, there are a lot of insurers out there - and working out what your family really needs and does not need means you need a good FL insurer to help and advise you. A good broker will not sell you coverage you do not need at jacked-up premiums - something which can easily happen if you try to handle it all yourself. They will focus on getting you what you need at the best price - and then you can enjoy peace of mind.
In Florida, you are not required to have a homeowners policy, but you may want to get one anyways. In addition, flood coverage is a really good idea due to frequent inclement weather.
Auto coverage is mandatory - you need at least $10,000 personal injury protection and $10,000 property damage liability. Florida is a No Fault state, meaning that you are reliant on your own coverage for all but permanent injuries - so you should consider how much liability you actually need. Depending on your income level, $10,000 might well not be enough. Uninsured motorist coverage is also a good idea.
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.
As for health policies, some people get it through their employer. If you don't, or if you want it for things not covered by standard policies such as long-term care, a broker can help with that too.
In other words, there are a lot of insurers out there - and working out what your family really needs and does not need means you need a good FL insurer to help and advise you. A good broker will not sell you coverage you do not need at jacked-up premiums - something which can easily happen if you try to handle it all yourself. They will focus on getting you what you need at the best price - and then you can enjoy peace of mind.
About the Author:
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