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Five Common motorcycle claims in Florida

Riding a motorcycle can bring a sense of freedom. Unfortunately, it also carries some unique risks.

That’s why motorcycle insurance is so important. These policies add an extra layer of protection. But First Florida Underwriters Inc also knows that some accidents are unavoidable. Our agency stresses prevention. One way to remain vigilant while riding is to spot threats early.

With this in mind, First Florida Underwriters Inc shares five common motorcycle insurance claims and how these can be prevented.

Excessive Speeds

It doesn’t take long for motorcycles to reach top speeds. For this reason, reckless driving is a real issue. It’s the leading culprit when it comes to motorcycle fatalities. Observe all posted speed limits. And wear helmets, gloves, reflective clothing, and all other safety gear.

Distracted Driving

Eliminating distractions is essential. And this applies to any motorist, not just motorcycles. Always avoid using cell phones, radios, and other electronics while operating a vehicle.

Roadway Debris

Speeding and distractions make spotting debris on the roadways difficult. Look out for garbage, rocks, and other unexpected objects. If left unidentified, these can result in severe damage.

Inclement Weather

Bad weather can pop up out of nowhere. This dramatically reduces visibility. Even the slightest error can be costly during high winds, heavy rain, or fog.

Improper Lane Switching 

Be extra careful at intersections. Illegal left turns and improper passing is especially problematic. Lane splitting, where a motorcycle rider attempts to navigate two lanes of traffic, is incredibly risky.

Contact an agent serving Orange Park, FL.

Motorcycle accidents can be dangerous. Awareness on the roadways is critical. Yet a dedicated motorcycle insurance policy goes a long way in proactively protecting your interests. Serving Orange Park, FL, First Florida Underwriters Inc can help. Schedule an appointment today.

In the park or on the road, RV insurance is more important than ever!

Orange Park, FL RV owners can count on the First Florida Underwriters Inc team when it comes to protecting their RV. We want to help you ensure you have the protection you need before you head out on the road. Give us a call today! 

Make sure your RV policy meets your needs.

In today’s litigious environment, it is an unfortunate reality that RV insurance is more important than ever. Having the right policy in place can help to protect you from serious situations involving financial liability, medical expenses, and repair costs. The right RV policy can help you protect yourself and your assets by providing the coverage you need.

The main aspects to look at when selecting an RV policy include liability protection, collision coverage, and sufficient medical expense coverage. An experienced insurance agent is a valuable resource when choosing or reviewing a policy. They can sit down to discuss your needs, making them well informed about helping you select an appropriate policy.

Many people’s insurance needs differ, and not all policies are alike. Taking the time to review your options carefully can help save you a lot of heartache in the future. And once you have a policy in place, it is essential to review it regularly. Agents advise their clients to look closely at their policies once a year. 

Give us a call today!

If you want to find out more about the RV policy options available in the Orange Park, FL area, give First Florida Underwriters Inc a call. We are here to help you with all of your insurance needs. Contact us today!

First Florida Underwriters Inc. answers five FAQ about boat insurance

Cruising the open waters in a boat is thrilling. Buying boat insurance isn’t. That doesn’t mean it’s not important. Not only does boat insurance protect your investment, but it prepares you for the unexpected. Only a dedicated policy grants you this peace of mind.

Luckily, First Florida Underwriters Inc. can help. Our agents can answer five common questions about purchasing boat insurance in Orange Park, FL.

What is boat insurance?

Don’t let its name fool you. Boat insurance covers more than just boats. These protections extend to any motorized watercraft. Boat insurance shields against damage or loss and safeguards against bodily injury caused by an accident.

What’s included in boat insurance?

Each policy is unique. However, at minimum, boat insurance contains damage protection, like collision and comprehensive coverage. Liability is also key. This can reimburse any expenses related to bodily harm or property damage if you are found to be at fault.

Is boat insurance required?

Boat insurance is not required in Florida, but some lending companies may mandate a policy. Either way, there are countless benefits to owning boat insurance.

Do I need boat insurance all year?

Yes. Fight the temptation to discontinue your policy during the off-season. This can expose you to unnecessary threats. Accidents can happen year-round. 

Does my homeowner’s policy cover my boat too?

Although there may be some overlap, homeowners insurance coverage for boats is minimal and limited. Typically, claims are capped at certain limits. Only a true boat insurance policy gives the protection needed to cruise the waterways in peace. 

Contact an agent serving Orange Park, FL

First Florida Underwriters Inc. does more than provide answers. Serving Orange Park, FL, their experienced team can find a personalized boat insurance policy that’s right for you. Schedule an appointment today.

What Is The Difference Between Workers’ Compensation And Health Insurance?

Workers’ compensation and health insurance are two important types of insurance. They both offer protection for employees, but they work in different ways. This article will discuss the critical differences between workers’ compensation and health insurance.

1. Workers’ Compensation Covers Workplace Injuries

Workers’ compensation will cover any injury an employee sustains while on the job. This includes accidents, repetitive motion injuries, and illnesses contracted at work. Workers’ compensation will also benefit the families of employees killed in workplace accidents. This insurance policy is necessary in most states, and it’s essential to have this coverage in case of accidents.

Health insurance, on the other hand, covers medical expenses for employees and their families. This type of insurance is not required by law in Orange Park, FL, but it’s an excellent way to provide health coverage for your employees. Health insurance covers various medical expenses, including doctor visits, hospital stays, and drugs.

2. Workers’ Compensation Is Paid By the Employer

Workers’ compensation is a type of insurance purchased by the employer from professional insurance companies such as First Florida Underwriters Inc. This means that the employer will be responsible for paying any claims filed under the policy. In some states, employers are required to carry workers’ compensation insurance; in others, it’s optional.

Health insurance, on the other hand, can be paid for by the employer or the employee. If the employer offers health insurance, they typically pay a portion of the premium. Depending on their health insurance plan, employees may also be responsible for paying some of their own medical expenses.

Conclusion

Workers’ compensation and health insurance are two important types of insurance for businesses. They both offer protection for employees, but they work in different ways. If you have any questions about workers’ compensation or health insurance, contact First Florida Underwriters Inc. We are a leading Orange Park, FL insurance agency and would be happy to help you find the right policy for your business.

Will My Condo Association’s Property Insurance Cover Me Too?

Condo association insurance is mandatory for your building’s common areas and amenities. But what if you need to make repairs or improvements to your unit? Will your association’s insurance cover you too? What are the condo insurance regulations in Orange Park, FL? First Florida Underwriters Inc is here to help answer your condo insurance questions.

Doesn’t my condo association have insurance?

By Florida law, your condo association must have insurance that covers the common areas and amenities in your building. This does include everything "as originally installed" or "as originally constructed." That means the insurance policy must cover features included in the original plans for the building. The structure of the building and public areas is the association’s responsibility.

However, things you have added to your unit, from furniture and appliances to remodeling and fixtures, are all your responsibility.

What kind of insurance does a condo owner need?

Our state has a specific type of homeowners insurance for condo owners. It is called HO-6 coverage. This type of insurance typically covers the following perils:

  • Dwelling – This covers damage to parts of your unit’s structure, including walls, floors, and ceilings. It is also the section that covers remodeling.
  • Personal property – This covers damage to your personal belongings.
  • Loss assessment – This covers the cost of repairs to the building and common areas where it’s determined you’re partially responsible.
  • Personal liability – This covers liability claims against you if someone is injured on your property.
  • Loss of use – This covers the cost of renting a place to live while your unit is being repaired or rebuilt.

Am I required to have this coverage?

While it is not mandated by law in Orange Park, FL, many condo associations require this coverage as a condition of membership. Furthermore, most banks and mortgage companies need this coverage to issue a loan.

Have more questions? Reach out to First Florida Underwriters Inc today!

Is It Time to Upgrade my Home Insurance Policy?

Home insurance protects your building structure and the contents inside against perils like fire, theft, natural disasters, etc. Homeowners’ insurance protects you against liability claims and pays for additional living expenses when your home is rendered unlivable.

While home insurance can save the day when the unthinkable strikes, the policy needs to be updated to cover your current needs. At First Florida Underwriters Inc., we recommend reviewing your home insurance policy at least yearly. Several factors can also prompt you to have a second look at your home insurance. These include:

Significant home improvements

Significant renovations and additions increase the value of your home, and the current policy won’t cover you adequately when your home is damaged. If you make a significant upgrade to your kitchen or add another structure, talk to your insurer to update your policy.

You start a home-based business.

Your home insurance covers your home, its contents, and liability claims not related to your business. So, if your customer trips on the floor of your home while attending a business meeting, home insurance won’t cover their medical costs. Talk to your insurance for add-ons to cover your home-based business.

You bring a dog

There are not many exciting things like welcoming a dog to your home. However, sometimes dogs can cause liability claims, which can be exorbitant. Let your insurer know when you have a dog in your house. Even if it’s a mild-mannered dog, inform your insurer because they can bite when stressed.

Home insurance in Florida

Need to learn more about home insurance in Orange Park, FL? Please book an appointment with First Florida Underwriters Inc. for more insights. We will help you understand your policy and whether it needs any adjustments.

Common Auto Insurance Myths Debunked

Despite auto insurance being one of the most common types of insurance, there are still many myths and misconceptions about it. We’ll debunk some of the most common auto insurance myths in this post.

Myth: I don’t need auto insurance because I have a good driving record

This is one of the most common auto insurance myths. The fact is that everyone makes mistakes, and even if you have a perfect driving record, you could still get into an accident. Auto insurance will help protect you if you do get into an accident.

Myth: comprehensive and collision coverage are the same thing

While both types of coverage will help pay for damage to your vehicle, they are not the same. Comprehensive coverage will cover damage not caused by an accident, such as theft or weather damage. On the other hand, collision coverage will only cover damage that is caused by a collision, as the name suggests.

Myth: Color of my car affects the cost of auto insurance

This is another common myth. The color of your car does not affect your auto insurance cost. However, what does affect the cost of your insurance is things like your driving record and the make and model of your car, among others.

Myth: You only need the minimum amount of auto insurance

This is a myth that can end up being very costly. The minimum amount of auto insurance may not be enough to cover you in the event of an accident. It’s important to ensure you have enough coverage to protect yourself financially.

These are just a few of the most common auto insurance myths. Be sure to do your research and get informed about auto insurance before deciding on a policy in Orange Park, FL. First Florida Underwriters Inc is here to help. We are experts in auto insurance and can help you find the right policy for your needs. Contact us today for more information.

How Much Motorcycle Insurance Do I Need?

It’s a question that all motorcyclists have to face at some point: how much motorcycle insurance do I need? The answer can be tricky because the amount of coverage you need depends on many factors. Here are a few tips to help you make the right decision for your needs.

1. Understand the Types of Coverage

Insurance can be confusing, especially if you don’t have a background in the industry. The best way to prepare for your purchase is to understand the types of coverage offered fully.

Comprehensive Coverage: It covers you in the event of a non-collision incident. This includes accidents with animals, falling objects, fire and theft.

Collision Coverage: If your motorcycle is involved in a collision with another vehicle or object (pole, guard rail, etc.), then collision insurance will kick in. If you only have the minimum required by law, you will probably not be able to afford to fix your bike after an accident.

Uninsured Motorist Coverage: This type of insurance protects you if someone hits you and does not have any coverage themselves or enough to pay for damages. Uninsured motorist coverage is mandatory in some states but optional in others.

Liability Coverage: If someone suffers an injury that is your fault, liability insurance will protect you against the cost of their injuries and other damages. This can go a long way in protecting you financially.

2. Know What You Can Afford

You can tell how much insurance you need if you factor in your financial situation. If you have a lot of debt, choosing higher coverage may not be possible. You should opt for the cheapest amount of motorcycle insurance necessary to protect yourself legally.

3. Think About Your Motorcycle’s Worth

If your motorcycle is worth more than the coverage you have, it might be time to increase your policy. This may be especially true if you paid a lot for your bike or put extra money into upgrades.

4. Ask Yourself How Often You Ride

The more you ride, the higher your risk of an accident. If you only take your bike for short rides on the weekends, then you might not need as much coverage. However, if you commute to work by motorcycle every day and spend hours riding, then get a policy that best reflects your needs.

Need Insurance in Orange Park, FL?

There is no one-size-fits-all answer to the question of how much motorcycle insurance you need. However, First Florida Underwriters Inc. can help you figure out the right amount for your needs. Call us today to get started.

Classes of RVs and How They Affect Insurance

Classes of RVs and How They Affect Insurance

Many Orange Park, FL residents visit First Florida Underwriters Inc in search of insurance for their RV. They’re often surprised to learn how varied their insurance options are.

RV insurance doesn’t provide a one-size-fits-all option. Instead, it offers a multitude of options. Snowbirds who drive here for vacation and decide to park permanently need a special type of RV insurance called full-timers. This policy considers the RV your home. You choose this option if you want to rent or purchase a lot on which you will park your RV permanently, either plugging into an electrical outlet or using solar panels for power. You might stick with propane, but once they aren’t on the road any longer, many people switch to plugging in or installing solar. Maintenance on your RV changes when you live in it year-round and the full-timer policy recognizes this.

When you remain on the road or use the RV for vacations, you need regular RV insurance. This still differs in one key way. It is based on the size of your RV, also referred to as the RV class.

Class A: The largest RV size provides a self-contained sleeping and living area. You can travel in the RV section while in motion meaning there is someone in the cab and potentially passengers in the rear. These expensive RVs cost the most to insure.

Class B: The least expensive of the RV classes, this provides the smallest space and costs the least to insure out of the types that provide a self-contained sleeping and living area that allows passengers to travel in it while in motion.

Class C: The C class falls between A and B in size and cost of purchasing. Also, providing a self-contained area for sleeping and living space in which passengers can travel while the RV remains in motion, its premiums cost more than a Class B policy but less than an A.

Conventional Trailer: You can’t travel in a conventional trailer, also called a towed trailer. It may have a pop-out to increase the size of the area for dining, but there’s typically no sleeping area even when popped out. You can store luggage and other items in this trailer type.

Fifth-wheel Trailer: While you cannot travel inside a fifth-wheel, you can sleep in its sleeping loft. You tow this with a truck and the front portion overhangs the truck cab.

Contact First Florida Underwriters Inc today to obtain RV insurance for your Orange Park, FL RV. Call us today.

Boat Insurance: When to Buy and When It’s Used

When you have made the big decision to invest in watercraft of any kind, it makes sense to ensure this investment is sufficiently covered with boat insurance. The agents at First Florida Underwriters Inc, serving Orange Park, FL, can help you obtain the coverage you need for your boat. In the meantime, here is the best time to purchase boat insurance and when it (or other policies) should be used. 

When Should You Purchase Boat Insurance?

If you intend on using your boat, protection is important. Boat insurance is designed to provide coverage against damage that takes place out on the water, regardless of whether it is your boat or someone else’s that sustained damage. This type of coverage also offers liability protection, ensuring you are protected if another person suffers an injury or property damage. Comprehensive insurance coverage will offer protection for your boat against non-collision damages like fire and vandalism. Because of the coverage boat insurance offers, it is imperative your vessel is insured before taking it out on the water. 

When Is Boat Insurance Used? When Are Other Insurance Policies Used?

As a general rule, your boat insurance offers protection for your vessel while in the water. When it is out of the water, your other insurance policies will provide coverage. For example, your auto insurance takes precedence if your boat is attached to your vehicle, but if your boat is parked in the driveway and sustains damage, your home insurance policy usually kicks in. However, keep in mind that your investment may not be fully protected by these policies, which is why you will want to ensure you purchase boat insurance.

If you have any questions regarding boat insurance coverage in Orange Park, FL, don’t hesitate to reach out to First Florida Underwriters Inc.

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