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.
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.
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.
Since there are waters surrounding the entire state, a lot of people like to purchase and use jet skis and boats, among other things. You will need to get covered with a separate marine policy in order to insure these items. If you throw big bashes such as expensive or lavish weddings, you may want to cover those, too.
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.
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.
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.
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.
Since there are waters surrounding the entire state, a lot of people like to purchase and use jet skis and boats, among other things. You will need to get covered with a separate marine policy in order to insure these items. If you throw big bashes such as expensive or lavish weddings, you may want to cover those, too.
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.
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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