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.
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.
Health insurance is really important as well, since your overall well being determines your quality of life. Your job may cover the basics, but look towards a broker to help you with additional plans as well.
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.
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.
Health insurance is really important as well, since your overall well being determines your quality of life. Your job may cover the basics, but look towards a broker to help you with additional plans as well.
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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