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.
If you drive, you need to have at least $10,000 for property damage liability, in addition to another $10,000 for personal injury protection. It may be a good idea to get extra, just in case an accident is bad. Many people also get uninsured motorist protection, which covers you in case the other driver has no policies, which does happen sometimes. It gives many car owners one less thing to worry about.
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.
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.
If you drive, you need to have at least $10,000 for property damage liability, in addition to another $10,000 for personal injury protection. It may be a good idea to get extra, just in case an accident is bad. Many people also get uninsured motorist protection, which covers you in case the other driver has no policies, which does happen sometimes. It gives many car owners one less thing to worry about.
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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