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First Florida Underwriters Insurance blog

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!

Boat Insurance for Beginners

Florida is synonymous with boating, and if you have a boat, you should have boat insurance. Let First Florida Underwriters Inc serving the area of Orange Park, FL assist you today.

A boat is an asset, so it is logical to look at insurance options. In Florida, boat insurance is a subcategory of marine insurance. Consider the following checklist when reviewing boat insurance.

  • State law may require you to register your boat, so be sure to keep your registration papers in a safe place. Take the time to review any additional state regulations.
  • What is the size of my boat? Insurance will likely have size categories that boats are divided into so know your footage
  • Is my boat motorized? That is a fairly easy one to answer.
  • Where is my boat kept – do I lease moorings at the docks, or do I keep it on my property?
  • What will the repair or replacement cost be if my boat is stolen, damaged, or destroyed? The price tag is not always what you will pay to replace your possession
  • Is there liability insurance? This is a big one because it is unlikely that you will always go out on your boat by yourself. There may be additional safety requirements like wearing a life jacket in order for your liability insurance to be paid.
  • If I leave Florida with my boat temporarily, will my boat insurance still provide cover?
  • Do I need my boat insurance to cover wreckage and salvage?
  • Am I transporting any kind of cargo with my boat and how is that covered?

While boat insurance may seem simple when you are starting out, there are many areas to evaluate. Be sure to contact First Florida Underwriters Inc serving the Orange Park, FL area today!

What Is Workers’Comp Insurance and Why Do I Need It?

Have you ever thought about how your Orange Park, FL business would operate without the input of employees? Your employees are the most valuable asset in your business. Workers’ comp insurance is instrumental in covering job-related employee injuries and makes employers immune from some injury lawsuits filed by their employees. Connect with us at First Florida Underwriters Inc. to acquire outstanding workers’ comp insurance to safeguard your most prized asset in your business setup.

What is workers’ comp insurance?

This policy safeguards both the employees and employers in the event of work-related sickness, injury, or demise. Employees are guaranteed medical expenses, disability reimbursements, and lost income, and employers get protected from lawsuits for losses accrued and other probable personal and employer liability. Florida law requires workers’ comp insurance for nearly every employer in the state.

Why do you need workers’ comp insurance

Whether you are a new or seasoned business owner in Orange Park, FL the state of Florida requires you to maintain workers’ comp insurance. Failure to comply with these regulations of maintaining insurance, you become susceptible to civil and criminal lawsuits. However, besides observing compliance, workers’ comp insurance carries the following benefits.

Protect your business

The actual costs of accident-related medical expenses can sometimes be massive. Not many businesses can survive the financial burden of work-related injury costs. Luckily, when you carry workers’ comp insurance, you don’t have to settle employee’s medical bills out of pocket.

Some businesses may view workers’ comp insurance as a recurring expense, but the prevailing premium is far less than the medical treatment of an injured employee. As a matter of truth, one substantial work-related injury claim can culminate into hefty financial ruin to your business.

Protect your employees

Irrespective of how safety-conscious your working environment can be, accidents are imminent. Given the inescapable fact that injuries are never far off in the working premises, workers’ comp insurance safeguards your employees by reimbursing their medical costs and settling wage replacement benefits where applicable.

Possessing spectacular workers’ comp insurance is a prudent decision to safeguard employees and your business. If you are looking for magnificent workers’ comp insurance for your Orange Park, FL business, you can trust the First Florida Underwriters Inc. team to ensure your business is protected. Call us today and start your insurance journey with us.

Why do Florida businesses always need to have commercial insurance?

The Orange Park, FL area offers a lot of potential for business owners. Those that are going to start a business in this area can find that the strong economy and high population base offer a lot of advantages. If you are going to start a business in this part of Florida, protecting your business with insurance should be considered a necessity. You will need to have this protection for a few reasons. 

Coverage is Required for Business

One of the reasons that you need to have commercial coverage is that it is required for many businesses. A business is likely to need to take out a loan or raise other capital at some point to grow the company. Along with this, they are likely to sign a variety of contracts that will usually mandate the business to carry commercial insurance. 

Coverage Offers Valuable Protection

You will also want to have a commercial insurance plan to protect your business. A commercial insurance plan can protect all of your company assets and offer liability protection within one policy. If there is ever a situation in which you are named in a liability suit or your assets are stolen or damaged, this could prove to be quite helpful. 

Those that are business owners in the Orange Park, FL area need to make sure their companies are properly protected with insurance. As you are looking for coverage, you are going to find that there are a lot of options to choose from. Fortunately, the professionals with First Florida Underwriters Inc can help you pick a plan that will properly protect you and your company. First Florida Underwriters Inc will be able to explain your needs and options to ensure you make a wise insurance plan decision.