The amount you need from an insurer depends on a lot of things. If you own your home, you need homeowners' or condo owners' policies. For renters, you will need renters' insurance (many landlords, in fact, require a policy with a certain level of coverage for liability). A Fort Lauderdale FL Insurance Broker can help you get what you need so you are always covered.
Florida residents are actually not required to have homeowners coverage, but most get one despite this. They also often get flooding policies to guard against storms and hurricanes.
Auto coverage is mandatory - you need at least $10,000 personal injury protection and $10,000 property damage liability. Florida is a No Fault state, meaning that you are reliant on your own coverage for all but permanent injuries - so you should consider how much liability you actually need. Depending on your income level, $10,000 might well not be enough. Uninsured motorist coverage is also a good idea.
If you have specialty items such as a boat, you will need even more coverage to keep your family financially safe. Marine insurance is a must in this case, or in the case of things like jet skis as well. Large gatherings such as a wedding or family reunion deserve their own policies as well, just in case.
As for health policies, some people get it through their employer. If you don't, or if you want it for things not covered by standard policies such as long-term care, a broker can help with that too.
There are many insurers to choose from, so you really want to make sure you are getting the best for your needs. Do not settle for one that tries to upsell you all the time, or make you purchase policies that you do not actually need. There are many unscrupulous ones who may try to do this. Instead get one that strives to cover all the basis while still saving you money, as this is the ideal situation to get you covered for any of life's challenges.
Florida residents are actually not required to have homeowners coverage, but most get one despite this. They also often get flooding policies to guard against storms and hurricanes.
Auto coverage is mandatory - you need at least $10,000 personal injury protection and $10,000 property damage liability. Florida is a No Fault state, meaning that you are reliant on your own coverage for all but permanent injuries - so you should consider how much liability you actually need. Depending on your income level, $10,000 might well not be enough. Uninsured motorist coverage is also a good idea.
If you have specialty items such as a boat, you will need even more coverage to keep your family financially safe. Marine insurance is a must in this case, or in the case of things like jet skis as well. Large gatherings such as a wedding or family reunion deserve their own policies as well, just in case.
As for health policies, some people get it through their employer. If you don't, or if you want it for things not covered by standard policies such as long-term care, a broker can help with that too.
There are many insurers to choose from, so you really want to make sure you are getting the best for your needs. Do not settle for one that tries to upsell you all the time, or make you purchase policies that you do not actually need. There are many unscrupulous ones who may try to do this. Instead get one that strives to cover all the basis while still saving you money, as this is the ideal situation to get you covered for any of life's challenges.
About the Author:
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