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.
Although homeowners' insurance is not required in Florida, it is a good idea. Separate flood coverage is also almost mandatory in a state with low lying land and numerous powerful storms.
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.
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.
Health insurance is really important as well, since your overall well being determines your quality of life. Your job may cover the basics, but look towards a broker to help you with additional plans as well.
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.
Although homeowners' insurance is not required in Florida, it is a good idea. Separate flood coverage is also almost mandatory in a state with low lying land and numerous powerful storms.
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.
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.
Health insurance is really important as well, since your overall well being determines your quality of life. Your job may cover the basics, but look towards a broker to help you with additional plans as well.
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.
About the Author:
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