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Orange Park FL 32073

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First Florida Underwriters Insurance blog

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!

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.

Is it helpful to have commercial insurance in Florida?

The Orange Park, FL area continues to thrive as it has a strong consistent population base and plenty of tourism. This helps to boost the local economy and makes it a good place to run a business. When you are looking to build and establish a business here, getting the proper insurance for it is a necessity. A commercial insurance plan in Florida can be helpful for several reasons. 

Coverage Will Protect Investment in Company

A good reason to always have a commercial insurance plan when you are here is so you can protect your investment in your company. No matter what type of company you start, you will need to invest time and money to get it off the ground. The best way that this investment can be fully covered is by getting a commercial insurance plan as it will cover your business assets and offer liability protection.

Have Support when Needed

You will also want to have a commercial insurance plan so you have support when you need it the most. Being named in a liability lawsuit or losing core assets to fire, theft, or another form of loss is always going to be stressful. When you have commercial insurance, you will be comforted knowing that you have comfort as well as an insurance provider to help with any claims. 

Having commercial coverage is clearly a good option for those that are business owners in the Orange Park, FL area. When you are looking to grow your company and have it properly insured, you will want to call First Florida Underwriters Inc. The team with First Florida Underwriters Inc understands the value of this coverage and will give any support you need to build an ideal plan. This can help keep you and your company properly protected and supported. 

Motorcycle Insurance Options

You have purchased an amazing motorcycle and cannot wait to take advantage of the beautiful weather and scenery that the state of Florida has to offer but first, you must obtain motorcycle insurance to protect the investment you have made in your bike. The insurance agents at First Florida Underwriters Inc in Orange Park, FL can assist you with all motorcycle insurance options, including the ones listed below.

Florida is the only state that does not require liability insurance for motorcyclists, but you must have Medical Payment Coverage in the amount of at least $10,000 in place to legally drive your bike. This type of insurance will pay for any injuries that are sustained in an accident, however, $10,000 may not be enough to cover the injuries of each person who is hurt in the crash. This means you will need more coverage options to ensure you and your bike are fully protected.

Liability Insurance

You can still obtain liability insurance which will increase the amount of bodily injury coverage that you have in place and will also cover a certain amount of property damage if an accident is deemed to be your fault.

Collision Insurance

Collision insurance will help cover any damages to your bike if you collide with another vehicle or even an object. For example, if you run into somebody’s garage door and damages this type of insurance would cover the amount of damages to the garage door.

Comprehensive Insurance

Comprehensive insurance will protect your bike if it is involved in a natural disaster, such as that hurricane, or it is damaged by a fire or vandalism. This will also help recover the cost of your bike if it is stolen.

To determine which motorcycle insurance options you want to choose, call the motorcycle insurance agents today at First Florida Underwriters Inc in Orange Park, FL.

RV Insurance Coverage Options

You have purchased a recreational vehicle, also known simply as an RV, and you cannot wait to hit the road, travel to amazing places, and camp in your RV. There is one thing you will need to do before you head out on your first road trip and that is purchasing an RV insurance policy. The agents at the First Florida Underwriters Inc in Orange Park, FL know and understand the importance of RV insurance.

In Florida, you must have RV insurance to legally drive your RV on the roadways. You must carry at least personal injury protection as well as property damage liability to legally drive your RV but what other RV insurance coverage options are available?

RV Insurance Options

Comprehensive Insurance Coverage

Comprehensive coverage will cover your RV a theft, vandalism, or natural disaster incident occurs that causes damages to your RV or destroys it. For example, if your RV is destroyed due to a hurricane or a tornado, this part of your policy will help you replace it with the same model or a similar one.

Collision Insurance

If you are involved in a collision with another vehicle or an object, collision insurance will help pay for any damages that occur as a result of the collision.

To determine the best coverage for you, your family, and the investment you have made in your beloved RV, you will need to contact a trusted and experienced RV insurance agent who can help you create the best policy for you and your situation. You can call upon the RV insurance agents at the First Florida Underwriters Inc in Orange Park, FL to get your RV insurance policy in place today!