Drive those sunny Florida streets with the right coverage

 December 21, 2014      

Are you ready to navigate the waters of car insurance?  Let’s start with some of the basics as well as discuss the particulars about Florida auto insurance requirements.


How to choose an insurance company


I would start by contacting someone like This is an excellent place to start shopping around for an insurance carrier since most of the specific insurance decisions will be made with the carrier once you have chosen one.  Here are just a few places to start narrowing your search. Or


  • Department of insurance – Each state has its own department of insurance, the majority of which make public the complaint information and ratios.  This type of ratio will tell you how many complaints have been made to the department for every 1000 claims filed.
  • A body shop – You would be hard-pressed to find someone who has dealt with more insurance companies than a body shop.  They might be willing to give you invaluable information related to ease of the claim process and relative speed as well as any cost cutting measures the insurance company typically attempts to enforce.
  • Friends and family – Word of mouth is not always 100% reliable, but anecdotal data does hold weight.  Ask around to see what companies your friends and family use and whether they are satisfied with their coverage, their rates, and their customer service.


How to choose your insurance coverage


Look at your car insurance policy options as a buffet in which you can pick and choose which types of coverage you prefer.  Some states do have minimum requirements.  Likewise, if you have an outstanding loan on the vehicle, then the bank will require certain types and minimums of coverage.  Here is a listing of the most common options.


  • Liability
  • Collision
  • Comprehensive
  • Medical coverage
  • Personal injury protection (PIP)
  • Uninsured motorist
  • Underinsured motorist
  • Rental reimbursement


What makes Florida auto insurance different from other states’ requirements?


  • According to Florida state law, you must have the minimum coverage amounts for personal injury protection ($10,000) as well as property damage liability ($10,000).
  • Also, Florida is a no-fault insurance state.  This means that if you are injured in an accident, your insurance must cover your medical costs up to your personal policy’s limits no matter who caused the accident.
  • Usually speaking, these policies will also cover all members of your household, your children while on a school bus, yourself as a pedestrian or a cyclist, and any passengers in your vehicle who do not own a vehicle and who do not have their own PIP coverage.  If the passenger does have their own policy, their insurance will cover any of their medical costs.
  • It will also cover if you are injured as the passenger in someone else’s car.
  • The property damage liability policies cover damages to another party’s property.

If you do not have proof of these insurance coverages, your registration, your license, and your car plates will be suspended.  If you are able to provide proof of coverage before the date of the suspensions, you will not face the standard financial penalties. These are some facts to help you in getting cheaper auto insurance.

The Benefit of Florida Homeowners Insurance

 October 21, 2014      

Homeowners insurance is extremely important for those who own a home or a dwelling.  With the use of Florida homeowners insurance, individuals are provided with the opportunity to protect their homes in the event of an emergency.  As a homeowner, you undoubtedly want to protect yourself, your family, and your belongings.  Florida homeowners insurance provides you with the opportunity to do so.  There are a variety of different insurance policies offered to clients who are interested in Florida homeowners insurance from  Below are the benefits associated with Florida homeowners insurance and how it can help you to protect yourself, your home, your family, and your belongings.

Protecting your Investments

One of the largest benefits associated with getting Florida homeowners insurance is that it helps you to protect your investments.  Your home is one of the largest investments that you will ever purchase, therefore it is imperative that you have a “safety net” surrounding the entirety of your house.  Also, the belongings within your home can sometimes be classified as investments as well.  Rather than having your home destroyed due to outside circumstances, Florida homeowners insurance ensures that everything within your home is protected.  Considering that the vast majority of house repairs are generally expensive, you will want to make sure that you have the finances from an insurance company available to help you pay for the repairs.

Low Monthly Premiums

In comparison to other types of insurance, Florida homeowners insurance is relatively inexpensive.  With the opportunity to pay low monthly premiums, you will be acquiring a lifelong amount of comfort for one small price.  This can be beneficial for those who are looking to save money but still be protected by insurance.  Finding the right Florida homeowners insurance company to protect you for the least amount of money possible will help you greatly.  While you are shopping for insurance companies, ensure that your selected policy gives you everything that you want for a price that you can agree on.

Eliminating Stress

One of the largest benefits associated with getting Florida homeowners insurance is that it helps to eliminate an ample amount of stress that you otherwise would experience without it.  If you are a traveller, or if you spend the majority of the day at work, you may worry about your home when you are not around.  With the use of Florida homeowners insurance, your home will be protected 24 hours a day, 7 days a week, in the event of an emergency.  Diminishing worries and stress will provide you with the opportunity to live a happier life.  As previously mentioned, it is imperative to ensure that your policy covers all areas that you are worried about.

Florida homeowners insurance can provide you with the opportunity to protect your home, yourself, your family, and your belongings.  In the event of an emergency, you can rely on your team of insurance professionals to take care of the financial and legal issues associated with repairing your home.  As one of the most important aspects of everyday life, ensure that you find an insurance policy as quickly as possible.

Florida health insurance providers

 June 24, 2014      

You’ve arrived here on this page because you’re looking for specific information about Florida’s many health insurance providers like, right?  Well, fret not, the following lists and information will fill you in on all the state-specific details with regards to policy concerns as well as some background information about the Affordable care act (which is accessible via the Health Insurance Marketplace ).


First off, here are the health insurance companies you should know about (and research on your own time)

One of the immediate things you should look for in a provider (aside from the costs of premiums) is whether or not they are a participating institution.  In other words – if they are working hand in hand with the federal policies and guidelines which underscore the affordable care act.  Such companies are also referred to as offering health exchange plans for the private marketplace.  All of their offerings are rated by the government as well, based on a 1 to 5 star rating, which implies how much coverage the insured would receive as well as outlining costs and so on and so forth.



Options are available whether you qualify for a subsidy or not

One of the biggest benefits currently touted by lawmakers (with regards to the affordable care act) concerns the sign up process and whether or not individuals or families will qualify for subsidies.  In short, this implies that certain people will actually be eligible for tax breaks and other measures which ultimately seek to lower the overall cost of their insurance.  For those who don’t qualify, again, it’s back to the private insurance options (which were discussed above).  The benefit here is that (for those that can afford it) many additional options will open up allowing them to change various elements of their current policy / policies without generating additional problems.


What should you look for in a provider? 

Obviously, the first and most prominent thing on many people’s minds will be the overall costs associated with any particular policy.  However, in the end it might be considered infinitely more wise to opt for more extensive coverage, including those plans which lean more toward the “platinum” side of the table (on a scale of lowest to highest coverage amounts: catastrophic, bronze, silver, gold and platinum).


In the end you might very well discover that many of the options out there, including lists of different plan types, are owned by only a handful of companies.  Naturally, this will mean that you have fewer options with regards to providers, but that doesn’t mean that you should make your decision lightly.  It is always recommended that you remain uncompromising when it comes to choosing a health insurance policy / provider, even if that means paying more than you expected or cutting coverage / benefits from your current plan(s). For more info click here.