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First Florida Underwriters Insurance blog

Why you need to purchase extra coverages in your auto insurance policy

Why you need to purchase extra coverages in your auto insurance policy

All Florida drivers must have personal injury protection and property damage liability to drive freely on public roads. These benefits extend to your family members unless they have their own auto insurance, but are these coverages really enough? Of course, they’re not if you know the importance of protecting yourself on Orange Park, FL roads. So, which other policies should you buy to add more protection? At First Florida Underwriters Inc, we recommend understanding your insurance needs to determine which coverages are essential.

You can be sued

Always keep in mind that you can be sued anytime when you or a member of your family causes an accident. Lawsuits can be messy and expensive at the same time. Coverages like bodily injury liability and property damage liability can be lifesavers if you have more than enough. Remember, you cannot really tell how extensive an injury can get.

What about accidents that can happen when you’re not driving?

If you think about it, your car remains parked most of the time, either at work or at home. That doesn’t always mean that nothing will happen to it. It can be stolen, vandalized, or hit by a tree. Sometimes, it’s the scorching sun that can damage your windshield, side windows, and glass sunroof. Collision and comprehensive coverage protect your car when parking.

Auto insurance is a family insurance

When you buy your auto insurance policy in Orange Park, FL, you’re also buying for your family. The last thing you want is to get into an accident with your family, and your auto insurance is not enough to pay for their medical bills.

Need to learn more about coverages to add to your policy? First Florida Underwriters Inc can help you choose extra coverages depending on your style, budget, and needs. Call us today!

What You Need to Know About Motorcycle Insurance

There are few things which compare with riding the open road on your own motorcycle. For decades the thrill of bike ownership and riding has enthralled millions of people. If you are a proud bike owner in Florida, you also understand that along with the excitement comes a certain amount of responsibility. At First Florida Underwriters Inc, serving Orange Park, FL, we want to help you fulfill this responsibility. Keep reading to find out what you need to know about motorcycle insurance. 

Why Is Motorcycle Insurance Important?

Motorcycles pose a special kind of risk to both riders and other drivers. Because you do not have the protection of a car’s body surrounding you, you are at an increased chance of injury every time you ride. If you are in an accident, the cost of medical bills and repairs or replacement to your bike will come out of your pocket, unless you are properly insured. You have made an investment in your bike and a good insurance policy will protect that investment. If you are involved in an accident in which others are injured, you could be held liable for their medical bills or even any legal fees that could result. Again, insurance can help protect against this. 

Is Auto Insurance Good Enough For My Bike?

Although there are many similarities between an auto insurance policy and a motorcycle insurance policy, there are also some important differences. For instance, a motorcycle policy will have greater coverage amounts for bodily injury because a biker is at greater risk for injury. Also, a motorcycle policy will provide an option to pause your insurance if you don’t use your bike for certain months out of the year. This can save you money. 

If you would like to learn more about our services, please contact us at First Florida Underwriters Inc, serving Orange Park, FL.    

Does RV Insurance Cover Your Pets?

Owning an RV can make traveling around a lot of fun for anyone who likes to spend time on the road or exploring new places. It can be more convenient than finding motels to stay at, and can give you a sense of comfort and a feeling of home even if you’re far away from where you actually live. And some people also choose to live full time in their RV, too. But one of the most important things you can do for your security and peace of mind is to have proper RV insurance. If you’re in the Orange Park, FL area, First Florida Underwriters Inc can help find the policy that’s right for your needs and lifestyle.

Do you have four-legged friends that are traveling with you? If you do, it’s important to know that most policies won’t cover your pets. That’s true if the pet gets sick or injured, and also true if they harm someone else or damage their property. Make sure you tell your agent that you have pets in your RV, so they can find a way to include them in the policy or advise you about what type of policy you need to protect them and cover any potential damage they might cause.

Reach out to us at First Florida Underwriters Inc today, if you’re in or near the Orange Park, FL area and need RV insurance. We can help get your questions answered and give you the information you’re looking for in order to protect yourself and others, along with your furry friends and the belongings you keep in your RV. Whether you need a new policy or just want to make updates to the one you already have, our agents are here and ready to help you with your policy needs.

A Guide To Help Florida Residents Research Boat Insurance

Based in Orange Park, FL, First Florida Underwriters Inc. offers the community multiple types of insurance coverage. For over 25 years, we have helped our clients find the policies they need to cover what matters most. We strive to offer excellent customer service.

Boat Insurance

Boating is a popular hobby in the Orange Park, FL community. While boating is a fun activity, it is also a significant investment. Operating a boat comes with a lot of responsibilities. In order to protect yourself against some of the risks associated with boating, consider the benefits of boat insurance. The policy allows you to have protection as you navigate around the water. You’ll be covered if your boat collides with another boat or object and damages occur. Comprehensive coverage covers your boat if it is stolen or vandalized. You’ll also be covered if your boat is damaged by a natural disaster, boat, or fire. Liability coverage is also important. You’ll be covered if you are involved in an accident and you are responsible for the damages that occur. If you have a lot of passengers on your boat, liability coverage will protect you if someone onboard gets hurt.

You can amend your policy to cover you during special situations. If you are having engine trouble, you can add emergency assistance to your policy. You can also amend your policy to cover you if your boat suffers an oil spill. If you have any valuable possessions onboard or plan to add some accessories to your boat, you can amend your policy to cover those special items if they are stolen.

As you are navigating your boat around Florida, your policy will likely include navigational limits. You’ll have to adhere to the guidelines in order to maintain coverage. If you operate your vehicle outside of the guidelines, you will not be covered if something happens.

First Florida Underwriters Inc. Will Help You Protect Your Investment  

To learn more about boat insurance, visit our website today.

Three things to consider when you update your commercial insurance policy

One of the most important things you need to do when it comes to your commercial insurance is periodically updated it. At First Florida Underwriters Inc, we sell commercial insurance policies in Orange Park, FL.

The following are three things to consider when you update your commercial insurance policy.

Any new product or service offerings

Adding new product or service offerings is one of the biggest reasons why you need to update your commercial insurance coverage.

When you offer new products or services, it could create new liabilities for your company. You need to address these liabilities with changes to your commercial insurance policy.

Changes to your business facilities

Another thing that could possibly alter your liabilities, as well as your company assets, is updates to your business facilities. If you’ve purchased an additional commercial facility or updated an additional facility, you probably need to adjust your commercial policy. 

Make sure to reevaluate the commercial property coverage on your policy any time your business facilities are altered in any way. 

Company vehicles

Company vehicles need to be insured under your commercial insurance policy. One of the most important functions of commercial insurance is to insure vehicles used for commercial purposes. 

An accident in a company vehicle can really cost your company. That’s why it’s essential to make sure that you have adequate liability, collision, and comprehensive coverage included in your commercial auto coverage.

If you add new vehicles to your company fleet, make sure you make the appropriate updates to your commercial insurance policy. 

If you have questions about buying commercial insurance in Orange Park, FL, we can help at First Florida Underwriters Inc. Get in touch with us to explore our policy offerings. 

Required Auto Insurance in Florida

Every driver in Florida must carry auto insurance as well as proof that you have it. If you need auto insurance, or you want to make a switch in the carrier, call us at First Florida Underwriters Inc in Orange Park, FL. 

Injury Coverage

There are two types of injury protection that Florida drivers have to have to be legal. The first is bodily injury coverage. This must have a specific minimum for each person injured in an accident as well as a specific minimum for the entire accident. Personal injury protection is another mandatory minimum that is kept in case you are injured in an accident. 

Property Damage and Uninsured Motorist

The other two types of required auto insurance in the state are property damage coverage and uninsured motorist coverage. Each of these insurance types has a required minimum that your policy must include. The property damage coverage often means damage done to another vehicle, but this can also include damage done to a building or other structure. A specific coverage amount of uninsured motorist covers you in case you are in an accident with an uninsured motorist who is at fault for the accident. 

Boosting Your Coverage

While all of these required minimums are all you need to stay legal, they offer relatively little in the way of financial protection. With spiraling medical costs, many drivers choose to have maximum payouts that are much higher than the required minimum. This is often a better way to protect your assets and your future. 

Call Us

If you want to discuss your auto insurance and how much you may need, call us at First Florida Underwriters Inc in Orange Park, FL for an appointment. We can help you get the coverage you both want and need. 

Do I need motorcycle insurance in Florida?

In the Orange Park, FL area, you are going to have a lot of opportunities to enjoy the nice weather while out on your very own motorcycle. Due to this, purchasing a motorcycle can be a great mode of transportation. If you are going to purchase a motorcycle here, you will need to get the right type of insurance. There are several reasons that you will need to have a motorcycle insurance policy when you are in Florida. 

Insurance is a Legal Requirement

One important reason to get a motorcycle insurance policy is that it will be a legal requirement for you. In the state of Florida, you are going to be obligated to have a certain level of liability insurance. If you want to drive legally, you need to make sure that this insurance is current. Those that do not have this coverage will run the risk that they could be penalized for lack of coverage.

Insurance Needed to Protect Asset

If you have invested a lot of money in your motorcycle and want to protect the investment, you should make sure that you have a proper motorcycle insurance policy in place. When you get a motorcycle insurance policy with collision and comprehensive coverage, it can ensure that you will be reimbursed for losses you incur related to theft or essentially any form of damage.

As you are looking for motorcycle insurance for your asset in Orange Park, FL, you should spend time assessing your needs. The team at First Florida Underwriters Inc can help you with this process. When you speak with the team at First Florida Underwriters Inc, you can get a better insight into what your insurance needs are. The team can also answer any questions to ensure you get into a proper policy. 

Is RV Insurance Required in Florida?

With thousands of people exploring the United States via RVs, it’s important to understand the requirements associated with owning or operating one. Keep in mind that every state’s laws and regulations will differ but when it comes to Florida RV owners are required to have insurance as long as it is being driven and not towed behind a truck or another vehicle. Operators must have a minimum of $10,000 in bodily injury liability per accident for one person, $20,000 in bodily injury liability per accident for all persons, and $10,000 in property damage liability per accident. Remember that these are only the bare minimum requirements for insurance and many RV owners will find that these coverages are not sufficient to protect the totality of their assets particularly given the expenses associated with an RV accident. 

Let’s be honest – purchasing an RV whether it is used or new is not an inexpensive endeavor. As a result, you want to make sure you have enough insurance to cover the total cost of the RV plus more. While an RV may be a blast to drive on a straightaway, most people find them to be challenging to park, turn, and judge side distance. Consequently, accidents can and do happen with RVs, and with a single accident costing thousands in repairs plus any damage to other property or people, you want to make sure you have enough coverage to protect yourself should the worst happen. 

When it comes to finding an RV insurance policy, let the professionals at First Florida Underwriters Inc in Orange Park, FL assist. We’ll take the time to learn about your needs and make a personalized recommendation on the perfect policy for you. Give us a call today or visit our website to make an appointment to speak with our friendly team.

Common Mistakes Florida Residents Should Avoid While Researching Boat Insurance

Based in Orange Park, FL, First Florida Underwriters Inc assists the community by providing residents with access to multiple insurance policies. We are committed to helping our clients find the right policy for their needs.

Boat Insurance

At First Florida Underwriters Inc, we recognize that owning a boat is a major investment. That’s why it is important that you protect your asset. Boat insurance covers you as you operate your watercraft throughout Florida. The policy covers your boat in the event that it is damaged, while also protecting you in the event of a potential liability situation. While you are researching different policies, here are some common mistakes to avoid.

Failing To Research The Policy’s Operating Limits

Be aware that your policy will likely contain language that outlines where you are allowed to take your boat. Research your policy carefully so that you can avoid taking your boat outside of the navigational limits.

Failing To Plan For The Offseason

Make sure that your policy includes coverage during the offseason when you aren’t operating your boat and are keeping it in storage. Even while your boat is in storage, it may still suffer damage. You could be left unprotected in that scenario.

Making Sure That Your Equipment Is Secure

In addition to covering your boat, the boat insurance policy should also cover all of your boat’s equipment. Without protection, you may be left in an uncomfortable position if your ropes are damaged.

Neglecting Liability Coverage

If you enjoy operating your boat while having a good time with your friends, make sure that you have the necessary liability coverage in your policy. Liability coverage protects you in the event that someone is injured while spending time on your boat. The coverage is also beneficial in the event that your boat collides with another watercraft.

First Florida Underwriters Inc Will Help You

If you have any questions about boat insurance policies, stop by our office in Orange Park, FL.

Does Your Florida Business Need Worker’s Comp Insurance?

One of the greatest challenges in life is running your own business. At the same time, you carry a lot of responsibility when it comes to resolving problems or making financial decisions. The right insurance coverage from First Florida Underwriters Inc will protect your company against common business risks like natural disasters, liability issues, and employee injuries. If your business in Orange Park, FL employs four or more workers, you are required to carry worker’s comp insurance to protect your employees. Here’s how this coverage works to protect your business.  

Covers Worker’s Injuries

Accidents have a way of happening in even the safest work environment. A worker may slip on a wet floor and get a concussion or strain their back doing the heavy lifting. Worker’s comp covers the medical expenses of employees who are injured on the job to protect your business revenue. This coverage includes doctor and hospital bills, medications and rehab, if needed, for recovery.

Covers Lost Wages

If a worker can’t return to work right away due to an injury, the worker’s comp helps cover his lost wages so he can continue to pay his bills. If he suffers a permanent disability due to a work-related injury, worker’s comp may cover his income for the remainder of his life. Worker’s comp may also provide death benefits to an employee’s immediate family if an accident results in a worker’s demise.

Minimizes Risk of Lawsuit

By protecting your employees with worker’s comp, you minimize the risk of workers filing a lawsuit for compensation of a work-related injury. It also helps you retain solid workers with valuable experience and training.

To learn more about worker’s comp coverage or to purchase a worker’s comp policy for your Orange Park, FL business, talk to an agent from First Florida Underwriters Inc.