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.
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.
There are many insurers to choose from, so you really want to make sure you are getting the best for your needs. Do not settle for one that tries to upsell you all the time, or make you purchase policies that you do not actually need. There are many unscrupulous ones who may try to do this. Instead get one that strives to cover all the basis while still saving you money, as this is the ideal situation to get you covered for any of life's challenges.
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.
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.
There are many insurers to choose from, so you really want to make sure you are getting the best for your needs. Do not settle for one that tries to upsell you all the time, or make you purchase policies that you do not actually need. There are many unscrupulous ones who may try to do this. Instead get one that strives to cover all the basis while still saving you money, as this is the ideal situation to get you covered for any of life's challenges.
About the Author:
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