The new year is upon us, have you started implementing your New Year's resolutions? Perhaps you want to take more cross-country road trips with your family? Maybe you've made a resolution to expand your family and now need to upgrade the family car?
Whatever resolutions you’ve made, we definitely suggest ensuring that you have the right home and auto insurance policies for you and your family to get you safely through the year. Whether you need to renew your insurance in January or September, here are a few tips to help you make the right choice.
Covering your home completely
When looking for new a home insurance policy, do you understand what is covered and what is not? All homeowners’ insurance policies typically cover your home, of course, and other structures you may have on your property, like a shed or detached garage. It also covers personal property, like jewelry, and liability for injuries or damage that could happen within your property lines. But did you know the contents of your car can also be covered through your home insurance? Say your car is broken into and things are stolen, your auto insurance would not be the ones to reimburse you for any missing items, but with the right coverage, your home insurance policy would. Having a policy with a low deductible will allow you to get your items replaced quickly and at a lower out-of-pocket expense. Purchasing the highest liability coverage is typically the smartest decision you make when picking your policy.
But be sure to inspect your policies carefully because unfortunately, many insurance companies do not cover various natural disasters such as earthquakes and floods. If this is a concern for you, you would need to look into additional insurance policies, like flood insurance, to keep your home fully covered.
Car insurance and your needs
Car insurance can be an intimidating item to purchase because of the many different coverage options there are to consider. They include auto liability insurance coverage, uninsured and underinsured motorist coverage, comprehensive and collision coverages, medical payments coverage, and personal injury protection.
While not all of these coverages are mandatory, each state has different regulations as to which policies you must carry. In Florida, you are required by law to have an auto insurance policy. If a law enforcement officer ever asks to see proof of insurance and you fail to provide it, you can be hit with a hefty fine and even have your license suspended. Furthermore, if you cause an accident and you don’t have proper coverage, you could be held financially responsible for all the damages. Protecting yourself on the road should be on the top of your priority list and knowing how to do so is key. It is strongly advised you speak to an independent insurance agent before making changes to your policy.
We are here to help
Here at Harrell Insurance, we are a central Florida insurance agency specializing in home and auto insurance located in Kissimmee Florida. We are an independent insurance agent, what that means is we are able to shop around and find you the best insurance to fit all of your needs. In addition, we also have the ability to find the most competitive rates to ensure that the policy you choose has the most affordable rate for you.
If you have any questions about how doing business with an independent agent could benefit you, please email me or reach out on Facebook. We would love to be your go-to downtown Kissimmee insurance agent.