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Residential and Commercial Insurance Experts

No two companies are exactly alike. Your industry, your organization, and even segments within your business have their own unique characteristics and needs. That is why you deserve an advisor who will bring you more than just insurance products—you need customized risk management strategies. Our solutions are driven by listening to you and finding answers to your problems. When we asked our clients why they choose to work with us, our expertise and knowledge of their business was one of the top responses. Industry-focused individuals within Insurance Planet seek to deeply understand all aspects of the industry in which they focus, network continually, engage in industry conferences and events, and read the same periodicals as you. … Read More »

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Insurance Tips & Advice

Florida drivers have a minimum requirement for automobile insurance, which includes death, or injury for ten thousand dollars, twenty thousand for one accident and only ten thousand for property damage. Drivers do not have to carry comprehensive or collision on vehicles unless they need to for other reasons such as a lien holder requires them to. Florida car insurance companies offer good rates for good drivers.

Insurance Tips & Advice

Uninsured motorists insurance covers if the other driver does not have insurance or you are involved in a hit and run of your vehicle. The underinsured motorist’s coverage pays for anything the other driver's car insurance may not cover because of having minimum insurance coverage. Always have enough coverage even if the minimum required insurance for your state is lower. This will protect you from any loss due to a lawsuit for injury or death from an accident.

Insurance Tips & Advice

All states have the some form of punishments for failure to provide proof of automobile insurance. If you have automobile insurance from a Florida car insurance company, your insurance is proof in all states as being insured when driving. If you have an accident while traveling in the United States, you are subject to the same penalties but they do recognize your insurance from Florida. You need to carry proof of insurance wherever you travel to insure if you are stopped even for a speeding ticket, you can prove you have insurance.

Insurance Tips & Advice

To avoid any discrepancies and any delays in receiving your insurance money for your home, make sure you document everything. Photograph and videotape the entire contents of your home and the home itself. Then store these photos and videotapes in a fireproof box. In addition, consider storing a copy of the photos at a relative's house, and/or in a safety deposit box. Doing this will help homeowners compile an inventory of their possessions (which is what the insurance company will demand) after a disaster.