Homeowners Insurance Benefits… That You Didn’t Know About

It’s no secret that homeowners insurance is the ‘safety net’ that provides homeowners the comfort they need to live in peace. This type of insurance policy simply protects homes in the event of something unexpected happening, such as a fire, natural disasters or even damage from theft and vandalism.


Homeowners insurance from Floridainsurancequotes.net helps keep homeowners out of the ‘line of fire’ that’s known as property and liability expenses. With this insurance policy, anyone can keep their expenses safe and focused to what matters most—covering your monthly home-related payments.


Although homeowners insurance provides an incredible wealth of benefits for homeowners, there are actually some things that it doesn’t cover. These things include coverage for flooding, pests and even war. Many of those occurrences are actually covered under specialized policies.


Homeowners themselves don’t even know that they can qualify for them, if they already haven’t. Here, we’re going to take a look at a few of the lesser known benefits that  homeowners insurance companies in Florida can provide policy holders.


Lesser known benefits of homeowners insurance


  • Coverage for losses from pet bites. Yes, some liability coverage options for homeowners insurance do offer dog-bite protection for no additional cost. In most cases, homeowners insurance companies will offer thousands of dollars in coverage in the case of the aforementioned happening.
  • Coverage for total home recovery. Sometimes, occurrences can provide detrimental effects to the entirety of your home. Thanks to this, your insurance policy might actually provide coverage to bring your home back to your state’s standard housing mandates following the loss.
  • Coverage for falling debris damage. If falling debris from the, well, atmosphere or other strange occurrences happened to hit your roof, your homeowners insurance policy may cover the damages to your home.
  • Coverage for damages from power outages. When your area experiences an extensive power outage, your homeowners insurance policy can potentially provide coverage for damages or losses incurred from the time period. This also includes coverage for restocking your refrigerator if your food spoils when the power is out for hours on end.
  • Coverage for absent family members’ personal property. Policy holders who have family members that live away from home may have them covered under their personal property coverage clause within their homeowners insurance policy. It usually does, however, exclude coverage for family members that life in their own property away from home.


Did you see any insurance coverage options that you might want to use for your home? If you need to know if your Florida homeowners insurance policy covers the following, take some time to get in contact with your insurance provider to get the information that you need.

Online Florida Auto Insurance

Shopping online for your auto insurance saves you a lot of time and allows you to comparison shopping between multiple companies.  When you’re shopping for Florida auto insurance here,  you want to be sure you’re armed with some facts before you get started comparing quotes  Let’s take a look at the basic information you need to know about auto insurance in Florida.


If you have a vehicle licensed in the state of Florida you need insurance.  There are some minimum requirements that must be met.  You’re policy must have two types of coverage, personal injury protection (PIP) and property damage liability (PDL).  The state required minimum amounts for these coverages are $10,000 for PIP and $10,000 for PDL.  These coverage amounts are mandatory by the state of Florida.


You might also be required to carry bodily injury liability (BIL) if you’ve ever had an accident or if you have certain convictions charged on your record.


Explaining PIP, PDL and BIL

The PIP portion of your insurance is to cover any injuries caused, even though you might not be the driver of the vehicle.  If you let another licensed driver drive your vehicle and they have an accident, any injuries would be covered.


It will even cover you if you get involved in an accident and your a pedestrian as long as a vehicle is involved in that accident. In Florida, PIP is also known as No Fault Insurance.  It will pay out benefits no matter who caused the accident.


The PDL part covers damages you might cause to someone else’ property when you’re involved in an automobile accident.  Again, it will cover the damage for any licensed driver operating your vehicle at the time of the accident.


BIL offers coverage when an accident results in serious injury or even death.  It can offer legal assistance if you get sued and can even protect you if someone causes an accident and is driving your vehicle without your permission.  It can also cover you and members of your family when they’re driving someone else’s vehicle.


Penalties for Not Having Insurance

You will be penalized if you’re caught without automobile insurance.  The state of Florida will take away your driving privileges if you let your insurance coverage run out.  The license plate for your automobile will also no longer be valid.  They can penalize you for up to three years, or until the time you produce proof that you have coverage.  The state will also fine you a reinstatement fee for giving you back your privileges.


Getting online Florida auto insurance offers you a chance to compare various companies and find a policy that will fit your needs and your budget.  Costs can vary widely among companies so comparison shopping is worth the time.


After doing the proper online Florida auto insurance shopping, you’ll be ready to get the insurance you need before you try to get your car registered.  You can get everything you need set up and be ready when you go to license your new or used vehicle.



Three Things That Could Stop You from Qualifying For Florida Boat Insurance

Florida has always been home to those who love the water. From fisherman to swimmers to marine wildlife enthusiasts, these vast waters and sandy beaches have ensnared them all. But, perhaps none are more drawn to the waters of Florida than the boater. However, when buying a boat for the first time, figuring out how to get sea-worthy (in a legal sense) can be stressful. Especially if you are denied Florida boat insurance like this.

Boat insurance, like auto insurance, acts to protect your vehicle (in this case the boat) from unexpected and crippling damage. In truth, the only difference between boat insurance and basic auto insurance is that, due to the more expensive nature of boating, the coverage is likely to be a fair amount higher. This insurance is intended to cover more significant damages as opposed to scratches and dented fenders. Boat insurance is required by law in nearly every state.

So what can cause a Florida boat insurance application to be denied? Here are five common reasons that can cause your insurance application to bounce back.

No. 1: The Condition of your Boat

The condition of the vessel itself is one of the most common reasons for a Florida boat insurance policy to be denied. If your boat is considered to be dangerous or is in a reduced state it could prove to be nearly impossible to insure. The best way to prevent this is to simply perform any and all required maintenances and repairs. Just by ensuring your boat is in the best possible condition could go a long way in getting it approved for insurance.

No. 2: Past driving and boating violations

Countless boaters are startled to find out that boating violations are no less important and severe as any other vehicular violations. Irresponsible performance while boating could result in tickets than could possibly make it tough to qualify for boat insurance. The most severe of these violations being a BUI (being arrested or ticketed for boating under the influence of alcohol or other impairing effects).

Even more, tickets and violations in other motor vehicles could also lessen your chances at receiving boat insurance. Risky behavior on the road could make insurance company fear you are a risk on the water as well. Keeping a clean driving record could certainly help you get approved for boat insurance.

No. 3: Type of Boat

The size and type of the boat you are trying to insure will also be factored in when an insurance agent reviews your application. Is the boat type generally safe or does it have dangerous tendencies. Most large insurance companies will enforce size regulations on which vessels they will insure and which they will not. However, some insurance companies have specialized in insuring larger boats and even yachts.

Another type of boat that may prove difficult to insure are high performance speed boats. The boats are more likely to encourage unsafe behavior and thus will be more likely to be denied insurance or be placed at a higher premium.