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.
Auto coverage is mandatory - you need at least $10,000 personal injury protection and $10,000 property damage liability. Florida is a No Fault state, meaning that you are reliant on your own coverage for all but permanent injuries - so you should consider how much liability you actually need. Depending on your income level, $10,000 might well not be enough. Uninsured motorist coverage is also a good idea.
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.
Your health is another really important family issue, so you should have insurance for that. Your job should cover you if you are full time, but a broker can help you with other stuff such as disability plans.
You have a ton of choices when it comes to insurers, but that does not mean that they are all created equal, or that they will all go out of their way to make sure your family is covered. Find a reputable company that will only try to sell you on what you need, and not on anything that you do not need. They should give you full coverage while also striving to save you money so you can enjoy life, yet be prepared for anything it brings.
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.
Auto coverage is mandatory - you need at least $10,000 personal injury protection and $10,000 property damage liability. Florida is a No Fault state, meaning that you are reliant on your own coverage for all but permanent injuries - so you should consider how much liability you actually need. Depending on your income level, $10,000 might well not be enough. Uninsured motorist coverage is also a good idea.
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.
Your health is another really important family issue, so you should have insurance for that. Your job should cover you if you are full time, but a broker can help you with other stuff such as disability plans.
You have a ton of choices when it comes to insurers, but that does not mean that they are all created equal, or that they will all go out of their way to make sure your family is covered. Find a reputable company that will only try to sell you on what you need, and not on anything that you do not need. They should give you full coverage while also striving to save you money so you can enjoy life, yet be prepared for anything it brings.
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