Business Insurance Requirements: What You Need to Know

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Owning a business means a lot of your revenue will go to business-related expenses. With so many expenses already, it’s easy to feel tempted to cut corners when taking out insurance. While saving on insurance seems tempting, it’s not worth the risk. Firstly, there are some business insurance requirements in Florida that you’ll need to know about before cutting back on your policy. Secondly, you need to make sure that your business insurance covers any high-risk areas for your specific industry.

An Overview of Business Insurance Requirements

Business insurance covers various aspects of running a business. From your property, to equipment and theft – your policy should cover your losses in case if an unfortunate event. There are different types of business insurance cover that can apply to you:

  • General liability insurance
  • Commercial property insurance
  • Worker’s compensation
  • Professional liability insurance
  • Commercial auto insurance

All of these types of cover play in important part in managing the risk of your business so that you’ll be covered if an incident occurs. While it might not be essential for you to take out cover in all of these areas, you’ll need cover in at least some.

If your business has no vehicles, for instance, you won’t need commercial auto insurance and if you don’t employ anyone you won’t need worker’s compensation cover.

General Liability Insurance

For businesses, general liability insurance covers a broad range of incidents where your business causes harm (or is alleged to have caused harm) to any third party. Cover should include both bodily injury liability and damages to property caused to a third party. The cover is valid for claims made against you, your employees or your products and services. General liability insurance cover should pay out for legal disputes when claims against your business arise.

If any of your business operations cause bodily injury or property damage to a third party, your general liability should pay out according to your policy for the financial loss.

Even the smallest home-based businesses can benefit from general liability insurance, so this form is business insurance is highly recommended. Whatever legal accusations made against your business should be automatically covered by general liability insurance.

Commercial Property Insurance

If you run your business from a physical location, commercial property insurance can benefit you. Regardless of whether you own or rent your business premises, you need to insure it so that you’ll be covered if an incident occurs. Commercial property can pay out in the case of the following losses:

  • Fire and smoke damage
  • Acts of vandalism
  • Loss due to theft

Your property insurance will cover damage to your commercial building if you own it. For instance, you should be able to claim for damage such as burst geyser or building damage from a tree that fell over.

If you don’t own your building, your insurance shouldn’t typically be responsible for building damage. Instead, your landlord should have a building insurance policy on the business property where you rent. When renting, the benefit of commercial property insurance is that it covers your office equipment, like computers and other necessities to run your business.

Worker’s Compensation Cover

In Florida, you are required to have worker’s compensation cover if your business employs more than 4 people. For some industries, such as construction, you must have worker’s compensation coverage to employ even a single person. This includes yourself, the business owner.

Worker’s compensation insurance covers medical bills for employees who are injured on the job. Cover should also include wage replacement for the duration that an employee is unable to return to work.

Being covered for worker’s compensation is important – especially if you work within an industry that could be dangerous. If work in your industry is potentially dangerous, such as electrician work, construction or demolition, your business will be legally required to take out worker’s compensation insurance.

Even if you don’t operate in a high-risk industry, it’s still important to have cover, as you never know what could happen. If workers get injured while on the job, your business can be liable for compensating losses. This applies even in some cases where the injury isn’t directly linked to an occupational hazard. Although there may be legal disputes, an employee that slips on the bathroom floors at work and suffers injuries could try to claim damages from you.

Professional Liability Insurance

Professional liability insurance (also commonly referred to as errors and omissions insurance) is similar to general liability insurance, but they shouldn’t be confused. Whereas general liability insurance covers damage your business causes to a third party, professional liability insurance covers damage to your clients or customers as a direct result of your products or services.

Both direct damage as a result of your product or service as well as failure to properly complete work is covered by professional liability insurance.

For example, let’s say you own a construction company and you’re busy building a house for a client. A few months after completing the project, your client comes back to you and complains that the house you built has multiple cracks and other issues that have cost a sizable amount to fix. Your client wishes to claim this amount from you as he/she believes you didn’t provide an adequate service as promised. In this case, you could rely on professional liability insurance to cover the cost of damages to your client.

Professional liability insurance is especially applicable to medical professionals and lawyers, in which case it’s often called malpractice insurance. Other businesses that could benefit from professional liability insurance includes veterinarians, accountants, electricians and more.

Commercial Auto Insurance

If your company runs any vehicles, commercial auto insurance is a must. Commercial auto insurance covers accidents for vehicles that you use for the following purposes:

  • To transport goods and equipment for your business
  • Transporting employees and/or clients
  • Vehicles used for delivery and commute services
  • Vehicles towing a trailer for business purposes
  • Heavy-duty trucks

In case of an accident, your commercial auto insurance policy should cover the following:

  • Medical expenses for all employees
  • Legal coverage in case a third party wants to claim damages
  • Vehicle repairs or replacement costs
  • Third party liability costs

Even if you don’t own any company vehicles, you can benefit from commercial auto insurance. If you have employees that travel for business in their own vehicles, your auto insurance will pay out for damages in the event of an accident.

To claim for your damages, you must be adequately covered. Ask your insurance provider what the maximum amounts are your can claim for different benefits. This is a good way to know the full extent of your coverage so you can revise it if necessary.

Business Owner’s Policy: All the Business Insurance You Need in One Plan

Like most businesses, your company will likely have broad range of business insurance requirements. A company that employs people while also operating some vehicles, will need both worker’s compensation and commercial vehicle insurance, for instance. The problem is that having a different policy for each form of cover will become difficult to manage. That’s where a business owner’s policy comes in.

A business owner’s policy is often tailored to the unique business insurance requirements of your company. A business owner’s policy will cover all the areas of your business that you need cover for, while omitting forms of cover you don’t.

For instance, if your business doesn’t run any vehicles and you also have no employees traveling in their own vehicles for business purposes, you won’t need commercial auto insurance, so it will be excluded from your policy.

Forms of cover that can be included in your business owner’s policy will depend on your insurance provider, but can include anything from data breach insurance to business interruption insurance and more.

To learn more how business owner’s policies work, as well as how you can benefit from one, contact Pini Insurance. Pini Insurance is a leading insurance provider in Florida. Policies offered vary from business insurance, to personal auto and life insurance. Call Pini Insurance today to learn if you can benefit from our superior products and competitive prices.

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Florida Motorcycle Insurance Requirements

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With great weather all year round, Florida is a wonderful state own a motorcycle. But while Florida has great biking weather, it’s not necessarily the best state to ride a motorcycle. Of all the US states, Florida has the highest number of motorcycle accident deaths. The increased number of motorcycle accident deaths indicates an overall higher amount of motorcycle accidents in the state. Considering the higher risk, it’s important to learn more about Florida motorcycle insurance requirements. Many bikers mistakenly believe no insurance cover is necessary for motorcycles, but there are minimum motorcycle insurance requirements for Florida bikers.

Car Insurance vs Motorcycle Insurance Laws

Some states group car insurance and motorbike insurance under the same laws, but not Florida.

Minimum car insurance requirements in Florida state that car owners must have at least $10,000 cover for personal injury protection (or PIP) – a form of cover intended to pay out for the insured’s own injuries from a car accident.

In Florida, PIP insurance isn’t a legal requirement for bikers, but some insurance companies will include PIP cover as an option in their policies. Talk to your insurance specialists to learn more about how you can get PIP cover for your motorcycle, as this will allow you to claim for personal injuries in the event of a motorbike accident.

Because PIP is a form of no-fault insurance, your policy will payout your medical expenses in the case of a car accident to the maximum limit of your policy.

Unfortunately, no fault laws regarding PIP insurance don’t apply to motorbikes in Florida. Your PIP cover that you have on your car insurance policy won’t pay out for a motorcycle accident. PIP isn’t available for bikers in Florida unless you specifically take out a policy with PIP coverage for your bike.

In the event of an accident where another person is at fault, however, you could possibly claim from their bodily injury liability (or BIL) insurance for your injuries, but this isn’t a reliable course of action. BIL cover isn’t a legal requirement in Florida, so many motorists don’t have it.

If an uninsured driver (one without BIL cover) was at fault in an accident and you wish to get paid out for injuries, the only course of action is to go to court and sue for damages.

Florida Motorcycle Insurance Requirements

No PIP insurance is required for Florida bikers, but there are still legal requirements. Should an accident occur where you’re at fault, Florida motorcycle insurance requirements are as follows:

  • $10,000 cover is required for single person bodily injury liability
  • $20,000 cover for bodily injury liability if two or more persons are injured
  • $10,000 cover for property damage liability per crash

When an accident occurs, failure to prove you’re covered according to the above guidelines could result in harsh consequences. Your license may be suspended is it’s found you aren’t insured adequately.

Registering a Bike in Florida: Do You Need Insurance?

Unlike with cars, it isn’t a legal requirement to have insurance if you want to register a bike. This is why many bike owners believe that insurance isn’t mandatory. While you could technically ride a bike in Florida without taking out any insurance, you’ll still be liable for minimum cover if you’re involved in an accident.

The fact that bike owners can register bikes in Florida without taking out insurance is misleading. Legally speaking, having no insurance could land you in a lot of trouble – especially after an accident.

What Forms of Motorcycle Insurance to Take out?

The minimum insurance requirements for Florida bikers only covers damages that you may cause to other persons if you’re at fault. Your own financial loss in the event of an accident isn’t accounted for if you have the minimum cover according to Florida motorcycle insurance requirements

To make sure your own damages are covered, you should take out the following types of insurance.

Collision and Comprehensive Insurance

Collision and comprehensive insurance will cover your own bike in the event of an accident or theft. If you’re involved in an accident where you’re at fault, this form of cover will also payout for damage you caused to another vehicle.

In short, collision and comprehensive insurance policies are the best for covering all the expenses involved in an accident. Choosing a comprehensive policy with a low deductible means your co-payment will be affordable, but low deductibles can also raise your premiums. When choosing the deductible amount on your policy, stick to an amount you can afford to pay should the need arise for a claim.

Guest Passenger Liability

Guest passenger liability is intended to payout if an accident occurs and your passenger is injured. If a passenger is injured, guest passenger liability will payout for hospital bills and medical expenses. The amount your policy will payout depends on how much insurance your carry for passenger liability. This form of cover is best if you regularly carry passengers on your bike.

Personal Injury Protection

Personal injury protection pays out for your own injuries after a motorcycle accident. To have PIP cover for bike accidents, your motorcycle insurance policy must include PIP cover.

Because car and motorbikes don’t fall under the same laws in Florida, the PIP you have on your car won’t cover your medical expenses after motorcycle accident.

Even if a motorcycle accident isn’t your fault, claiming from the other party’s insurance for your injuries and medical bills will be a much more complicated process than claiming for PIP.

Filing a Claim Against an At-Fault Driver

Because motorcycles don’t qualify for no-fault insurance in Florida, the rules for filing a claim against another driver also differ. This is especially true if you want to claim from another person for injuries you sustain in an accident.

As a car driver, you’d need to prove significant or permanent injury to claim from the other party’s insurance. As a bike rider, the severity of your injuries won’t matter when filing a claim against another person. Proving that the other person was at fault is the only requirement to claim for your personal injuries.

Although claiming from at-fault drivers in Florida will be easier if you’re a biker, it’s not a reliable form of protection. For you to claim, the person at fault would need to have bodily injury liability insurance, which isn’t a requirement for Florida drivers. To make matters worse, many drivers who have this form of insurance, are only covered up to $10,000. While this could certainly help, it won’t cover your medical expenses and lost wages after a serious injury.

Florida Motorcycle Accident Statistics

Florida has the highest number of annual motorcycle accidents deaths. Motorcycle accidents account for one fifth of all motor accident deaths in Florida state.

Unfortunately, despite the evident danger of riding a bike in Florida, many bikers don’t take adequate safety measures to protect themselves. Wearing a helmet isn’t a legal requirement for bikers older than 21 who have a minimum medical insurance policy of $10,000.

A 2013 AAA consumer pulse survey found that Florida bikers generally wear the following gear when riding:

  • Helmets – 86%
  • Face shield or protective glasses – 81%
  • Biking boots 64%
  • Gloves 63%
  • Protective jacket or vest – 55%

Although this information might be outdated, chances are it’s still represents the reality of biking in Florida.

Another study by the AAA found that most bikers claim to wear helmets, but only 47% are seen wearing helmets when viewed on the roads.

Bike owners in Florida should take note of these statistics and prioritize personal safety more. Taking out proper insurance and fulfilling Florida motorcycle insurance requirements is a good start, but improved safety awareness and cautious driving is also important.

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How to Prevent a Fire at Home? Florida Fire Insurance

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A house fire can start quickly without warning. Even if you believe you know how to prevent a fire at home, there is still a chance that one can break out. Faults in electric wiring and other hazards can come seemingly out of nowhere. It’s always best to learn how to avoid fires at home, as this will significantly reduce your risk. If a fire does break out, you should be prepared. Learning more about Florida fire insurance policies and how fire cover relates to homeowners’ insurance can help you prepare for an incident on your property.

How to Prevent a Fire at Home: Common Fire Hazards to Avoid

Preventing a house fire is better than filing a claim for fire insurance. A lot of items you have on your house hold sentimental value and are irreplaceable. Not to mention the fact that computers, phones and other devices storing important data might also be lost. Even if your whole family manages to escape the house before the fire spreads, the loss will still be big.

Avoiding common fire hazards can help you and your family stay safe by avoiding fires at home. When it comes to avoiding fire hazards, the are a couple of things your can look out for – most importantly, you should know the most common causes of house fires.

Negligence as a Fire Hazard

You’re only human, and so is everyone else, but a lot of common fire hazards come down to forgetfulness and negligence. Whenever working with a potential fire hazard in your home, you should always be extra vigilant. Think twice, or even thrice before doing anything potentially dangerous.

You can’t remove all the potential fire hazards from your home, a lot of everyday things in your home could pose a risk. What you can do, however, is realize that potential fire hazards only have the potential to cause fires if you’re forgetful and negligent. Most of the things in your home that could theoretically start a fire will never get a point where that’s a real risk.

Alcohol consumption is another problem associated with negligence and house fires. When under the influence of alcohol, you should avoid doing anything that could lead to a house fire. Avoid all the fire hazards mentioned below if you are under the influence.

Fires from Cooking

Florida Fire Insurance: Cooking accidents is a leading cause of house firesBe extra vigilant while you cook. It’s easy to forget the stove on. Always check once you’re done cooking that all your stove plates or burners are turned off.

Set timers while you cook so you don’t forget to check up on things in the kitchen. Never leave your house with your stove or oven still on!

Keep flammable things away from your oven and stove top. This is especially important if you have a gas stove, as the open flame can easily set fire to kitchen towels and other flammable objects. Just remember, even cooking oil can start a bad fire.

When deep frying foods on your stove top, never leave the frying oil unattended. If the oil gets too hot, adjust the heat to a lower setting. If a fire does break out, never try to put it out with water! Water won’t help for an oil fire. If possible, try put the lid of the pot, or a non-flammable cutting board on the pot. This will starve the fire of oxygen, which will put it out.

If the fire is too big to safely cover it without injuring yourself, you’ll need to have a fire extinguisher on hand. Always keep a fire extinguisher nearby when you deep fry foods. Just don’t keep it right next to the stove.

If you get a fire in your oven, turn the heat off and keep the door closed so the fire will die out from a lack of oxygen. This might damage your over, but it could save your house from a fire.

Caution with Candles

A candle is like a little open flame in your house. This is why it comes as no surprise that the National Fire Protection Association lists candles as one of the top five fire hazards in your home.

While candles do pose a risk, you can still safely use candles in your home. Just be sure practice some caution. Here’s how you can avoid candles from starting a fire in your home:

  • Never leave burning candles unattended
  • Keep candles out of reach of children and pets
  • Never place a candle close to anything flammable
  • Never fall asleep with candles burning anywhere in your home

Flammable objects to keep away from your candles can include books, curtains, paper and any other item that can easily catch fire. While lighting candles can be great for relaxation, you should never light a candle when you’re feeling overly tired. Falling asleep is one of the leading causes of candle fires in homes.

Fires Caused by Heating

We’re in the heart of summer and heating is probably the furthest thing from your mind – but when winter does come around again, make sure you’re prepared.

Fires caused by heating are the top cause of house fires, fire deaths and house fire injuries in America. Here’s what you can do to make sure you don’t become a victim of a heating burn:

  • Keep flammable things away from your heating equipment
  • Don’t allow children near heating equipment
  • If you have a chimney, be sure to have in cleaned out and inspected annually
  • Don’t leave heating equipment unattended
  • Never leave the house with your fireplace burning, or your heaters still on
  • Don’t fall asleep with your heating (fireplaces and heaters) still on

Fireplaces are open fires, so it’s especially important to keep flammable objects away from them. Hanging your Christmas stockings in front of the fireplace might look quaint, but they should always be removed before you make a fire.

Fires Caused by Smoking

Smoking poses a big risk. Always make sure cigarette butts are put out properly. Discard of cigarette butts in deep ashtrays. Alternatively, use outdoor ashtrays that are closed entirely at the top with only a small hole on top to collect cigarette butts in the tray. Don’t keep your ashtrays near flammable objects.

If possible, rather smoke outside the house, but still practice vigilance when discarding of cigarette butts. Never smoke near medical oxygen, as this can cause a rapid fire.

Ideally, smokers should quit. Doing so would improve overall health and eliminate smoking as a fire risk.

Electrical Fire Hazards

Knowing how to prevent a fire at home is more difficult when electrical fires are involved. Electrical fires can be sneaky and can come seemingly out of nowhere. Here’s what you can do to manage the risk:

  • Make sure to only use electrical cords that aren’t damaged
  • Check the cords of all your appliances to make sure they aren’t damaged before you use them
  • Always call in a qualified electrician for your electrical work
  • Only use one heat-producing appliance (heaters, toasters, kettles etc.) plugged into one outlet at a time
  • Always plug big appliances like fridges and washing machines directly into the wall without an extension cord
  • Use light bulbs with the correct wattage for your light sockets

Consider installing Arc-fault circuit interrupters at your home, as they’ll shut off power automatically if a dangerous condition arises.

Florida Fire Insurance Cover: Will Homeowners’ Insurance Pay out?

Fire insurance is often part of standard homeowners’ insurance packages and your homeowners’ insurance will likely pay out in the event of a house fire. However, don’t assume your insurance will definitely pay out in the event of a house fire.

Call your insurance provider to check how much cover you have for fire damage. Some companies will exclude fire insurance from their standard policies, meaning you’ll either need to get new home insurance, or add fire insurance to your current policy as a rider.

Make sure you are familiar with the terms of your homeowners’ insurance provider regarding house fire claims and familiarize yourself with what the terms are for claiming. Your insurance provider might require you to do an annual chimney or electrical inspection at your house to qualify for fire damage claims, for instance.

Most incidents of house fires will be covered by your insurance. The only common exceptions for fire damage cover is nuclear damage (which is an unlikely cause anyway, especially in Florida homes) and acts of war. Your insurance provider also won’t pay out if you intentionally caused a house fire.

Provided you have adequate cover, your homeowner’s insurance should pay out for the following:

  • Damages to your house and property
  • Loss of personal possessions such as furniture, appliances, clothing items etc.
  • Liability costs of damage to other persons if the fire spread beyond your property

Please note, homeowners’ insurance won’t normally pay out for injuries you sustain on your property. If you or your family members are hurt in a housefire, you’ll probably need to rely on your health insurance to pay medical costs. Some items in your house, such as jewelry and cellphones are also excluded from your ordinary house contents, meaning you’ll need to cover some items separately.

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Florida Dog Bite Law: Will Homeowners Insurance Payout?

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Having a dog is a big responsibility. Dogs have a lot of needs in terms of healthcare, exercise and even mental stimulation. Millions of households in the United States own a dog as a pet and Florida is no exception. Unfortunately, Florida dog owners face a unique problems. According to statistics, Florida is the state with the highest occurrence of dog bites. Owning a dog is never as difficult as when you’re dealing with a dog bite. Dog bites often result in court cases. Ultimately, the pet is often ordered to be put down, which is a substantial loss for the bereaved owner.

While dog bite liability insurance might not change court rulings, knowing that the financial liability of a dog bite won’t rest on your shoulders will be a sigh of relief in an otherwise very difficult time. So, here’s what you need to know about dog bite liability in Florida, as well as how to know if you’re covered in case of an incident.

Florida Has a High Occurrence of Dog Bites

Between all the wonderful things about the sunshine state, there are also negative things. According to the Insurance Information Institute, Florida ranks among the top 10 highest for incidents of dog bites. In fact, the only state with a higher number of annual dog bites is California.

The estimated population of California is 39 million, whereas Florida’s population is almost half of that at approximately 21 million. In 2018, there were 2166 cases of reported dog bites – or 1 incident for every 18,005 residents. Florida had 1281 reported cases of dog bites for 2018 – which translates to 1 for every 16,393 residents. When reported dog bites are viewed in this way, Florida arguably has the higher incidence of dog bites than California.

There are various incidents of dog attacks in Florida circulating in the news. One of the most recent, shocking incidents, a 2-year-old boy was mauled to death by dogs near Gainesville, FL. The dogs who attacked the boy were family pets. In an attempt to save the boy, his grandmother also got seriously injured.

In a separate incident in Brooksville, FL, an elderly woman was hospitalized after being attacked by 3 dogs. The owner of the dogs, who sincerely apologized for the incident, said he never thought his dogs would act out in such a way.

These situations often bring on a lot of heartache and regret for both the victims and dog owners. Sometimes dogs act unpredictably, so it isn’t always possible to prevent dog bites.

Florida Dog Bite Liability Laws

Florida has a special dog bite statute, FLSA 767.04, which states that owners are liable for dog bites under the following terms:

  • The dog bites another person and/or
  • The bite occurs on public property, or private property when victim was lawfully on the premises.

Florida is a “strict liability” state in terms of dog bites. This means that dog owners will normally be held accountable if an incident occurs, even if there was no reason to suspect that the animal would bite a person.

There’s only one real exception to Florida’s strict liability dog bite laws. If the dog owner can prove that the bite victim was trespassing, the dog owner won’t be held liable for any damages.

Florida also has a comparative negligence rule concerning dog bites. Under the rule, the owner’s liability can be reduced if the bite victim was at least partially responsible for the incident. If, for instance, a dog retaliates by biting a person after the person taunted or injured a him (regardless if injuring the animal was intentional or not), the owner might not be held fully liable. If the court decides that a negligent person carries 50% of the responsibility, the owner will only be liable for the remaining 50% of the damages.

While there are at least some laws protecting dog owners, there’s still a good chance that dog owners in Florida will be help accountable for more than half of the liability in a dog bite or attack.

Will Homeowners Insurance Cover Dog Bite Liability in Florida?

According to 2018 statistics by the Insurance Information Institute, the average dog bite in America costs approximately $39,000. This money is usually to cover the medical costs of the victim, but often owners also need to pay restitution.

Although $39,000 is understandable, given the rising cost of healthcare, it’s still a hefty amount to pay from your pocket! Most homeowners are unable to afford such a large sum of money if an incident occurs.

If you’re covered for dog bite liability, your homeowners insurance should pay out for dog bite liability in certain circumstances. However, your home insurance provider will only pay out for bites if the incident occurs on your property. Your insurance won’t cover a dog bite if your dog attacks someone while you’re out on a walk.

Not all homeowners insurance policies include dog bite liability insurance, so if you’re unsure if your current home insurance cover dog bites, it’s best to contact your insurance provider and inquire about it. You might need to take out additional cover to get dog bite liability cover.

It’s common for insurance providers to provide a maximum coverage of $100,000-$300,000 to cover expenses due to dog bites. This money can be spent on legal expenses, covering the victim’s medical bills and might also payout restitution if it’s required by the court. Should expenses exceed the amount a homeowner is covered for, any amount over-and-above the policy will have to be paid by the homeowner themselves.

Double Check Your Dog Bite Liability Cover!

Insurance providers have different policies regarding dog bite liability cover. Some insurance providers might penalize certain breeds, or worse yet, they may not cover them at all.

Some insurance providers also require dog owners to train and socialize their pets. To qualify for a claim, you’ll need to prove that your dog was trained well before the incident. Insurance providers might also require a full history on the dog to find out if the dog has ever been aggressive in the past.

If your homeowners has policies regarding dog breed, training and history, you risk carrying full liability in the case of an incident. Always double, and even triple check your cover and claim policies.

How to Prevent Dogs from Biting?

Some dogs have a history of being aggressive, while others bite with no warning. Because of Florida’s strict liability regarding dog bites, the history of a dog will be of little importance if he bites someone.

As with tragedy, it’s always better to enforce preventative measures to avoid dog bites rather than to manage the liability after an incident. There are a few steps owners can take that will reduce the chance of their pet biting someone. While preventative measures can never be 100% foolproof, responsible dog owners are likely to suffer less liability if an incident occurs even despite their caution.

Here are some things you can do to reduce the chance of your dog biting someone:

  • Make sure that dogs are trained well from a young age and reinforce training throughout the dog’s life.
  • If an older dog has not been trained yet, start training the dog as soon as possible.
  • Make sure your dog is socialized well with both people and animals. Often expose your dog to new kinds of people (like children and elderly persons) in calm settings where the dog feels relaxed.
  • See to it that your dog often experiences new things and knows how to cope with unknown environments and situations.
  • Never leave your dog unsupervised with a young child.
  • Teach children how to interact and play with animals. Children should know to refrain from doing things that can hurt dogs, such as pulling ears. Also teach children how to read the animal’s body language to see when he/she is annoyed and doesn’t want to play. Any children that visit your house, regardless of whether they’re your own, should learn about how to treat animals.
  • Always keep dogs in a fenced area on your own property and on a leash when you go out.
  • If your dog tends to be fearful or anxious, warn people not to approach it. In some situations, it can also be best to use a muzzle whenever you go out with your animal, or if there are guests at your home.

There are almost an endless variety of situations where dogs can be provoked to bite. A defensive mother dog might bite to protect her puppies. For this reason, owners should always practice caution around dogs with puppies. Never allow strangers near your dog’s puppies without familiarizing your dog with the new person.

Dogs that have been previously abused might be more fearful, which may cause them to snap at people more easily. If you adopted a dog that was previously abused, it’s important to build a relationship of trust with the dog and teach him/her that they can trust people.

With a combination of proper training and good insurance cover, you’ll be minimizing the risk of an incident while also assuring you’re adequately covered if something does happen.

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How to Save Money on Your Insurance

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Let’s face it, spending hard earned money on insurance isn’t anyone’s idea of a fun time. Despite this, having insurance is an important part of life. There are a lot of risks involved with not having any insurance. It’s illegal to drive a car in Florida without at least some insurance. Furthermore, home and life insurance are important ways to make provision in case of disasters or tragedies. Cancelling isn’t really an option, but there are still many ways you can save money on your insurance policies.

Why You Shouldn’t Cancel Your Insurance

The money you spend on your insurance every month might seem a lot, but if the need to claim ever arises, it might look like a drop in the bucket compared to what you need to claim. A lot of people try to save money by cancelling their insurance, or taking out only the minimum cover, but this isn’t wise.

As stated, there are minimum requirements for car insurance in Florida. However, even the minimum insurance coverage is unlikely to help in some cases. Luckily Florida divers are required to have at least some coverage – so in the event of an accident, you won’t be left completely empty-handed.

Seeing as it’s illegal to drive without car insurance, many people attempt to cancel other insurance policies instead. Once again, cancelling isn’t a good idea. Both life and homeowners insurance can be critical in certain condition. Florida often experiences hurricanes and storms, so cancelling these policies can do more harm than good.

How to Save on Car Insurance

The minimum car insurance coverage in Florida isn’t nearly enough. At $10,000 for personal injury protection and an additional $10,00 for property damage liability, Florida drivers with the minimum insurance aren’t truly covered for much.

It goes without saying that better coverage is strongly recommended. Unfortunately, better coverage is also likely to cost more.

Shopping around for the best premiums is a great way to get a good deal on your car insurance. Of course, you should learn more about different kinds of car insurance coverage. Ideally, you’ll want a comprehensive insurance policy that covers the following:

  • Personal injury protection: This coverage is to pay for injuries you and your family sustains in a car accident.
  • Property damage liability: This is to pay out damages to someone else’s property if you’re at fault in an accident. It can cover damage to any property you damage by driving into it, such as buildings and other vehicles.
  • Bodily injury liability: This is to cover injuries you cause to other people in an accident where you were at fault. Money claimed from this form of coverage can also be spent on funeral costs or lost wages as a result of hospitalization.

Lastly, you also want to make sure your own car is adequately covered in the case of an accident. When getting quotes, ask each insurance provider how much the policy will pay out in case of an accident.

If you have money saved up in the bank, opting for an insurance policy with a higher deductible is a great way to save on your monthly installments. Just keep in mind that a higher deductible means you’ll need to pay a larger part of the costs in the case of an accident.

How to Save Money on Homeowners Insurance

Homeowners insurance isn’t a legal requirement in the state of Florida, but this doesn’t mean you can cancel your policy at any time. Most mortgage lenders require you to have some form of homeowners insurance, so if you’re still paying installments on your property, now wouldn’t be a good time to cancel.

On the other hand, if you haven’t bought a house yet, but you’re looking for one, you’re in a great position to get the highest amount of savings on your homeowners insurance. But there are still great ways to save for those who already bought a property.

Some of the main factors that will contribute to the cost of your homeowners insurance include:

  • Location
  • When the home was built
  • Material used to build the home
  • Having tenants
  • Your claim history
  • Your credit score

If you want to pay low premiums, the best location for a home is close to a fire station. It’s also best to opt for an area with a lower crime rate. Homeowners with properties in areas that are at risk for natural disasters will pay more, but buying in areas with high winds or storms isn’t something all homeowners can avoid.

As a general rule, the premiums will be lower on a newly built home than an old one. Old homes have old plumbing and electric wiring, which poses an increased risk for water leaks and electrical fires.

If you’ll be occupying the property yourself with no tenants your premiums should also be lower than if you rented out any part of your property.

The overall condition of your house is also important – the newer your roof, the less you’ll pay in premiums. This is because an old roof is at higher risk for damage in stormy weather and leaks in rainy seasons.

As a last point, wood burning ovens and fireplaces can also increase your insurance costs, as they pose a fire hazard.

Homeowners Insurance Discounts to Ask About

The best way to save money on homeowners insurance is to improve your credit score, shop around for lower quotes and ask about discounts. Some of the discounts you might qualify for include:

  • Claim-free discount
  • Homeowners association discount
  • Nonsmoker discount
  • Water sensor discount

Installing water sensors to detect leaks in your property before they cause too much damage can add a lot to your savings. Getting smoke detectors can also reduce your premiums.

How to Save Money on Life Insurance

If you’re trying to save money on your insurance, chances are life insurance is one of the first things you want to cut. It isn’t a good idea to cut your life insurance coverage too much – especially if you’re young and still paying off a mortgage.

This doesn’t mean you can save on life insurance though. Getting healthy is a great way to save money on your life insurance. As an added benefit, you’ll also feel great when you make these changes. Simply quitting smoking could already lower your life insurance costs.

Another good way to lower your life insurance costs is to have a look at your finances and establish how much cover you really need. You might find that you’re insured for much more than necessary.

There may also be some additional benefits in your policy hiking up its price. For instance, many insurers will add a benefit where there’s an larger payout for accidental death (even as much as double), unfortunately, this benefit can increase the cost of your premiums. Another benefit that can increase premiums – the option to waiver payment of premiums if the insured becomes disabled. Or, the option to get a certain amount of payout if the insured becomes disabled.

Realistically, look at all the benefits offered by different life insurance providers and pick an insurance plan that best suits your need. You might not need benefits such as payout for if you become disabled. A lot of disabled persons are still able to work and earn a living.

When shopping for life insurance quotes, rather choose providers with years of industry experience. Also look at reviews to see if the insurer pays out as promised when necessary. Life insurance is often meant to pay out when you’re no longer around to fight for your benefits, so it’s better to know you’re dealing with a trustworthy insurer from the start.

The Overall Best Way to Save Money on Your Insurance

Bigger deductibles will always lower your premiums, but if you ever need to claim, it will hike up the cost significantly. If you’re confident that you have enough savings and you life a lifestyle that’s responsible enough, you can opt for higher deductibles, but this isn’t the best way to save money of your insurance.

Shopping around for the best quotes is also great, but always make sure your insurance provider will pay out if you need to claim. Also be careful about reading what is included in each policy you get a quote for. Some policies might look cheaper, but that might just be because you’re not getting enough cover.

The best way to pay lower premiums is to live responsibly. Take care of yourself and your assets. Maintain your car and house as needed. Replace your roof or tire when replacement is due and check for details like when you should redo window caulking on your home or top up the oil in your car.

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Bodily Injury Liability Insurance: What Does it Cover?

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As a driver in the state of Florida, Bodily Injury Liability Insurance (also called BIL insurance) covers injuries caused by you to another person. Specifically, this form of cover is intended to cover medical expenses for injuries. Florida drivers should educate themselves regarding the advantages of BIL coverage.

How Does a Bodily Injury Liability Policy Work?

A bodily liability insurance policy is important to protect you in the case of an accident where persons other than yourself and your family obtain injuries. The purpose of bodily injury liability insurance is to pay out to injuries your cause to others.

If you don’t have BIL coverage, those you injured in a car accident could sue you for their damages. Seeing as you were at fault, you’d stand to lose your savings and assets.

It’s important to be covered for bodily injury liability insurance. Although bodily injury liability insurance isn’t legally required to drive a car in Florida, you should ideally get some form of cover to protect yourself and your assets in case of a motor accident.

Personal Injury Protection vs Bodily Injury Liability

Personal injury protection is a form of no-fault insurance. The no-fault nature of PIP insurance means that your insurer is legally obligated to pay out on your PIP policy, regardless who was at fault when the accident occurred.
If the other driver was at fault, your insurer isn’t allowed to refuse paying out by insisting the other party’s insurance is responsible for damages. On the other hand, if you were responsible for the accident, your insurance also isn’t allowed to refuse paying out by stating you’re responsible for the costs due to possible irresponsible behavior from your side.

The aim of personal injury protection is to pay out for your personal injuries in the event of an accident. Your passengers will also be covered by this form of insurance.

PIP is also valid for when you sustain injuries while travelling in someone else’s car as a passenger. Pedestrian and cyclist accidents are also covered, meaning your policy will pay out if you get hit by a car, even if you weren’t driving.
PIP insurance is different from bodily injury liability insurance because PIP coverage pays for injuries you or your family members sustain.

Bodily injury liability insurance pays for injuries you cause to other persons while driving. Unlike PIP, bodily injury liability doesn’t pay out for injuries you and your family or passengers sustain in an accident.

More About Personal Injury Insurance in Florida

PIP insurance covers your own medical expenses after being in a car accident. Rehabilitation expenses can also be included in your policy.

PIP insurance coverage is one of the mandatory insurance policies you need to have to drive a car in Florida state.
Even if you already have a health insurance policy, you can benefit from PIP insurance coverage. For instance, PIP insurance offers several benefits, such as coverage for lost wages and funeral costs. If you were injured in a car accident in Florida, your health insurance policy could cover your physical injuries. This way, the money you get from your PIP coverage can be allocated to lost wages for the time you spent in hospital.

How to Claim Personal Injury?

As with any other type of insurance claiming for your PIP coverage is rather straight-forward. You can submit a claim, either online or by phone. After this, your insurance provider should pay out for the necessary medical expenses immediately.

However, your coverage might be limited in certain ways. For instance, you may have a to get treatment from a medical expert selected by your insurer. In some cases, your car insurance could approve a medical practitioner of your choice, however.

Following the claims process of your car insurance provider is crucial. Failure to provide certain required documentation may result in a penalty, where you might be required to make a 50 percent co-payment on your medical expenses. To make sure you don’t miss any essential documents, ask your insurance provider exactly what they require to settle your claim.

In cases where you’re injured in an accident that wasn’t your fault, the standard process is to first exhaust your own PIP coverage before turning to other options. If your PIP policy is too little to pay all your expenses, you can submit a claim under the liability insurance policy of the other driver.

However, if you aren’t satisfied to pay for medical expenses from your own insurance policy, you might be able to avoid claiming from your insurance by filing a lawsuit against the other driver. This is especially an option if you’re significantly or permanently injured.

What Does BIL Cover?

Bodily injury liability coverage is meant to protect you in accidents where you are at fault and another person who wasn’t travelling in your car sustained injuries.

In most cases, this cover won’t be necessary for small injuries, such as a few stitches. Instead, your bodily liability insurance policy will pay out for severe injuries caused to other persons, as well as death.

Only physical injuries are covered by your bodily injury liability policy. Psychological problems, such as post-traumatic stress disorder are not considered a bodily injury, so your policy won’t pay out if a third party wants to claim for psychological treatments, or sessions with a psychologist.

The costs covered by bodily liability insurance can vary, but commonly include the following:

  • Operations to treat injuries sustained in the accident
  • Hospitalization as a result of a car accident
  • Ongoing professional care, such as rehabilitation
  • Payouts for lost wages if the third party is unable to work
  • Funeral expenses and accidental death benefits

All costs related to hospitalization can be covered by your insurance, provided your policy has enough coverage. The ambulance, emergency room and medication will all be paid for if you have enough coverage.

Some expenses for home care may also be included. Such as child care or home cleaning. However, this might only be applicable if someone is incapable of performing these duties themselves and have no other viable alternative.

Who Is Liable to Take out BIL Coverage?

You aren’t legally required to have bodily liability insurance in the state of Florida – not in most cases, at least. There are instances where individuals can be legally obligated to take out bodily injury liability insurance.

If you’ve been convicted of a DUI, you may legally need to take out bodily injury. How need much coverage you need can differ though. It can be anywhere between $10,000 and $100,000, depending on when you were convicted of the DUI.

The Importance of BIL Insurance

Even though bodily injury liability insurance isn’t legally required in Florida, it’s still important to make sure you’re covered. Without BIL insurance, a third party can sue you for medical expenses, funeral costs or lost wages in the event of an accident.

Regardless of whether you have a means to pay, the court can place the liability of the accident on you. If you own any assets, such as a car, house or other valuable items, they will be at risk.

When taking out BIL coverage, it’s important to ensure you have enough. While it can be tempting to take out the minimum cover of $10,000, this won’t realistically be worth much if you’re involved in a serious accident and the third party has to spend months recovering in hospital. Especially if the injured third party is the breadwinner of a family.
In a way, bodily injury liability is more important than PIP. If you have health insurance, PIP coverage is definitely useful, but not necessarily crucial. However, there’s no other form of insurance that will protect you (even just partially) in the case of a serious accident where the third party sustains devastating injuries.

Worst of all, there’s a good chance that you yourself will be in hospital after a serious accident, so the added stress of paying for another person’s medical expenses and losses will be more stress than you can handle.

Allow PINI insurance to ease your mind. We provide car insurance policies with ample cover to take care of you, your family and all applicable third parties in the case of an accident. Contact us today to learn more.

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Minimum Car Insurance Requirements for Florida Drivers

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Car insurance isn’t something most people will give any regular thought, but when disaster strikes and an accident occurs, it sure comes in very handy.

To avoid accidents where one or both parties involved are unable to cover damages, US states have laws requiring vehicles with four or more wheels to be insured. Florida has its own unique set of requirements, and luckily for motorists, The Sunshine State offers requirements that make car insurance financially accessible – enabling many residents to own a set of wheels.

What Cover Do Florida Motorists Need?

There are different kinds of insurance coverage plans to cover different areas of damages in the case of a car accident, natural disaster or any other unfortunate event involving a motor vehicle.

Property Damage Liability (PDL)

Property damage liability ensures that motorists are able to take accountability for any damages they cause to another person’s property while driving. Property damage liability coverage will ensure that damage you, a family member or other insured person causes to someone else’s car or property while behind the wheel will get paid out according to your policy.

Whether you drove into someone else’s car accidentally, or your managed to drive into the fencing of their property, your PDL coverage will take care of the financial liability of the accident. It doesn’t matter whether the property you damaged was the other party’s vehicle, bicycle or a structure like a building, your PDL coverage will pay towards the damages.

However, while the damages caused to someone else’s property in the event of an accident will be covered by PDL, the damage to your own property or car, won’t be.

In Florida, motorists are required to have a minimum PDL coverage of $10,000 to cover damage liability. Florida state does not require motorists to have coverage for their own damages in an event where they caused an accident.

Personal Injury Protection (PIP)

Should a car accident occur, personal injury protection covers you, your family and anyone else traveling with you in the car. Passengers traveling in your car don’t need to have a registered vehicle or PIP insurance of their own to be covered.

PIP coverage is intended to take care of medical bills in cases where an motor accident leads to injury. Seeing as Florida has a no-fault policy regarding personal injuries caused by car accidents, insurers are obligated to pay out for injuries related to car accidents to the full limit of your policy.

PIP insurance can also be used to cover expenses for injuries that are related to car accidents which don’t involve your vehicle such as:

  • Injuries where you or a family got injured as a pedestrian
  • Injuries where you or a family member got injured while cycling
  • Injuries while traveling in a vehicle other than your own
  • Injuries while traveling on a school bus or public transport

The state of Florida requires that all motorists have a minimum of $10,000 PIP coverage. Keeping your PIP insurance up to date is important to ensure that your car will remain roadworthy, and letting this insurance expire can cause cumbersome and inconvenient administrative issues regarding your vehicle registration.

Other forms of Insurance Cover

Beyond $10,000 PDL and PIP coverage, Florida doesn’t necessitate motorists to take out extra insurance coverage. However, just because Florida has relaxed laws regarding car insurance, doesn’t mean other forms of insurance coverage aren’t good to have.

Some policies that aren’t legally required by the state of Florida for car insurance, could make a huge difference if you’re ever involved in an accident.

Bodily Injury Liability (BIL)

While PIP insurance covers you and your family members in the event of injury from an accident, BIL helps to cover severe injuries of other persons if you cause an accident. This will cover for medical expenses and funerals to the limit of your policy.

BIL coverage will also handle legal expenses related to injuries other persons sustained in an accident. In some cases, crash victims might sue for injury or death related to an accident. Regardless of whether you or someone else was driving your car at the time of the accident, your BIL policy will cover the fees for your legal representation.

In some cases BIL coverage can be necessary according to state law, such as when a driver has recently committed a DUI offense.

Collision and Comprehensive Coverage

Collision coverage is intended to help you pay for any damages to your own vehicle in the event of an accident. If your car is a write-off, collision damage should also pay out for replacement of your vehicle.

Comprehensive insurance goes beyond paying out for accident damage to your vehicle. With comprehensive insurance, you’ll also be covered for loss as a result of vehicle theft, hail damage and other unpredictable events.

If you have both collision and comprehensive insurance cover, the only two things that won’t be covered by your policy will be damage from suspected vandalism or flooding.

Uninsured/Underinsured Coverage

This coverage is specifically meant to help you make ends meet with your insurance policy. If you’re involved in an accident where you aren’t at faulty, but the other motorist doesn’t have sufficient insurance to pay for your damages, underinsured coverage will help you pay for damages to your vehicle, medical bills and more.

This is useful, seeing as the legally required $10,000often isn’t enough to cover for all the damages you might incur in an accident.

How Much Car Insurance Is Enough?

While Florida doesn’t have very high requirement for motorists regarding their car insurance, taking out some extra insurance would be a wise thing to do.

Without BIL insurance, for instance, you can be held liable for any expenses related to injury or death in an accident involving your vehicle. If your vehicle is involved in an accident and one of the accident victims die, the loved ones of the victim can hold you accountable for medical bills and compensation for the accident, even if it’s still unclear whether you were at fault, as it will be your word against whatever evidence is gathered from the accident scene.

Without collision and comprehensive coverage, you’ll be stuck without transport if your car gets stolen, if you sustain serios hail damage or if you cause an accident and your car is a write-off.

It’s also a good idea to take out policies that are higher than the minimum $10,000 for PIP and PDL, as $10,000 is unlikely to be enough in the case of a serious accident. If your cause an accident and the resulting damages to the other party is $40,000, you can still be held liable for the full amount, even if you’re only insured for $10,000. What this will mean is that your insurance will pay out $10,000 and the remaining $30,000, will have to be paid from your own pocket.

For PIP coverage, the $10,000 legally required by the state also isn’t much when you need to cover medical bills and lost wages due to hospitalization after a serious accident.

Of course, the amount of insurance you take out will depend on what you can afford, but it’s important to know about what kinds of insurance coverage you need for different situations.

Don’t make the mistake of assuming Florida’s minimal car insurance requirements will be enough to cover the damages for any accident. While the minimum requirements are enough to cover small accidents, where damages are limited to minor dents and injuries, large accidents can cost a lot of money in medical bills, lost wages and car damage.

The minimum insurance requirements also won’t cover any damages to your vehicle, or unfortunate events such as losing your car through theft.

When you know what you are and aren’t covered for, you’ll have a better idea of what’s required of you in the case of an accident. You’ll know whether your insurance will cover all your medical expenses, or if your policy is limited, for instance.

At PINI Insurance, we help you pick an auto insurance policy that suits both your pocket and your needs. Talk to us today to learn more about how you can improve your car insurance policy for the best coverage.

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Steps to take after a car accident

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A car accident is a terrifying experience. The noise, the glass, and the panic can make each second feel like an hour. Even fender benders need some pre-planning so you can spring into action to physically and financially protect yourself in the unfortunate event of an accident. The best car insurance Florida provides will help with your accident, but you must take these steps to speed along the process.

Be prepared

The time to start planning for an emergency is not while it is happening. Be prepared by getting your documents ready. Place your insurance card and any pertinent medical information in your glove box. Keep your insurance current. If you have medical issues, make them known. Having your gallbladder recently removed or having an allergy to codeine is crucial for paramedics to know. If you think that by having your info in your wallet is enough, consider that a wallet or purse can tumble around in an accident while a glove box will remain stable.

 

First step

If you can move after a crash, move to the accident lane. An injury can prevent you from moving; stay in the car as immobile as possible until help arrives. Being immobile on the expressway may add to your anxiety, but a minor injury can be elevated to serious in nature with a few small movements. Move to the designated accident lane, or at least not in the middle of the road. Get out of the flow of moving traffic.

 

Stay quiet

Being angry is a natural reaction to someone hitting your car. Keep your emotions in check; what you say can be held against you. A polite apology will be interpreted as an admission of guilt. If you rage against the other driver, however justified, your mental state can be questioned. Promptly move to the next step and remember that staying quiet in your best option after asking if the other driver and/or passengers are okay.

 

Exchange information

Yes, it can be awkward to ask for information after an emotional experience. Stay calm and ask for the following list:

  1. Name
  2. Address
  3. Phone number
  4. Email
  5. Make of car
  6. Model of car
  7. License plate number
  8. Insurance carrier
  9. Insurance policy number

 

Take picture

After an accident is no time for selfies, but it is a good opportunity to whip out your iPhone and document the damage. Technology can be a blessing when you need proof. The other driver may not appreciate it, but take as many pictures as possible of both cars. A video may be best if the other driver is not cooperating. Wait for the police to do so, if you feel it is best.

 

Takeaway

A car accident is a scary experience. From fender benders to much worse, you must be calm and know your next steps. Have essential information in your glove box. Leave relevant medical information and besides your Miami auto insurance card, a valid Florida driver’s license should also be there as well. Get out of the flow of traffic. Keep emotions in check. Exchange information and document as much as possible.

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Five auto insurance hacks you need to know

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Most people do not understand the intricacies of electricity; they just flip a switch and enjoy the benefits. Auto insurance, likewise, is required by law and most people do not understand basic ways in which they can save time and money by knowing five things.

1. Pets can be covered
2. Stolen items cannot be reimbursed
3. Two lump sums a year is smarter than monthly payments
4. Comprehensive coverage includes weather events and terrorism
5. Credit scores can impact rate quotes

Pets can be covered
Dogs and cats are considered part of the modern family. Drive in a rural or urban area and a dog will be sticking its precious head out the window enjoying life. While their human may be strapped in, these pets can sustain significant injuries in minor events such as a light fender bender. Some insurances will cover your pet if you ask for it when signing up for their insurance. Again, this must be requested at the time of the quote.

Stolen items cannot be reimbursed
The dancer Juliana Hough left diamond jewelry in the side pocket of her car door. Said items were stolen, and she was not able to recover the loss. The real is simple: if someone steals your car, you will be reimbursed for the depreciated value of your vehicle, nothing else. If someone takes sentimental items such as fur coats or personal devices, your insurance company does not have to reimburse you. The best way to prevent this is to keep treasured items at home or secured safely in the glove box. Leave nothing in plain sight.

Two lump sums a year is smarter than monthly payments
Paying for six months of car insurance up front can cause quite a few to panic. Two upfront payments twice a year can yield massive savings. From the company’s point of view, it is more fiscally responsible to maintain a customer twice a year rather than twelve times a year. Savings can translate tally into the hundreds. If this seems impossible, set aside every month to create a financial cushion to allow you to reap the rewards.

Comprehensive coverage includes weather events and terrorism
Hurricanes are prevalent in South Florida and a great cause for concern. In Miami, auto insurance has policies that detail the coverage and steps to be taken in the event of a hurricane. Downed powerlines and falling trees have wrecked many a car during the season. Many worry that they will not be covered if Nature destroys their vehicles. In fact, residents with a history of a variety of natural events make sure that their home insurance as well as business insurance updates regularly. Comprehensive insurance takes away the fear of natural events. Acts of terrorism, likewise, particularly in larger city centers, has brought forth a major sense of anxiety with vehicles. Insurance policies that offer comprehensive coverage explicitly state that in the event of terrorism, the policyholder will not have to handle the damage by themselves.

Credit scores can impact rate quotes
We have all heard it a thousand times that credit scores are your lifeline to financial freedom. A low credit score can prevent you from substantial purchases such as mortgages. A high credit score can make your insurance rates more affordable. Companies court potential clients with higher scores and offer them better deals given their proven financial track records. If possible, start improving your score today to improve your rate quotes.
Takeaway
Insurance can be what you make out it. Ask for pet coverage in the event of an accident. Understand that items stolen from a vehicle will not be reimbursed. Keep all treasures out of plain view. Two lumps sums a year rather than twelve is the most financially responsible payment plan to keep you financially responsible. Acts of weather and terrorism are covered comprehensive insurance only. Keep your credit scores high as it can vastly improve your odds of a great rate.

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How to: Get insurance, quick & easy

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With a renovated website, we are ready to provide all your insurance needs. Navigating our domain is surprisingly simple, our pages are filled with informative documents detailing commercial, boat, and auto insurance. If you need clarification, just call our office and a agent will gladly answer any questions you have. Already comfortable with the world of Insurance? If so, you can ask for a free quote through our website or by contacting an agent.

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