Posts Tagged ‘Florida’

Getting Florida Vehicle Insurance for Your Protection

Article by Todd Meyers

Planning on moving to Florida or visiting for a period of time? You might want to consider learning more about Florida vehicle insurance for your convenience. Laws vary from one state to the next and drivers may often be obliged to meet certain requirements that are unique to the area, so it’s important to know what regulations are in place so you can avoid any problems in the future.

In Florida, having vehicle insurance is mandatory for owners who will be registering and operating 4-wheeled vehicles. The car owner must buy minimum coverage at the very least in order to use a vehicle with a valid license plate in Florida. For protection against personal injury, the minimum amount allowable in Florida is ,000 and coverage has to be maintained continuously. The minimum required for property damage coverage is also ,000. Coverage must also be continuous. These coverages must be obtained by anyone who is a resident of Florida or who intends to stay in the state for a period not exceeding 90 days, non-consecutive, so long as it within a period of one year.

The personal injury coverage in Florida is a no-fault insurance, offering maximum coverage limit to the vehicle owner, whether or not they were at fault. The coverage also extends to children and household members, along with passengers who may not have personal injury coverage, provided of course that they don’t own a vehicle. This type of insurance offers protection to the policyholder who may be passengers in automobiles that belong to another individual. It also offers coverage for bicyclists and pedestrians who may be involved in motor vehicle accidents. The same coverage is also provided to children who may suffer from an injury as a result of an accident while riding the school bus. Your car’s passengers and its licensed drivers who operate your vehicle with your consent are protected by their own Florida vehicle insurance policy instead of your insurance policy.

The Property Damage Liability offers coverage for any damages to other people’s properties as a result of a car accident involving the policy holder or any member of his family. The Bodily Injury Liability is an optional insurance policy that may also be purchased to provide protection in case the policyholder becomes involved in an accident where he causes severe injury or even death. This type of coverage will even offer protection in case legal representation is required.

When buying Florida car insurance, make sure it is purchased from an agent who is qualified to sell it in the state, one who is affiliated with a licensed insurance company. Regardless of whether they sell insurance on-line or from a brick-and-mortar operation, Florida insurance companies are required to have a license to operate and often sell through their agents. Your agent can assist you in transferring insurance coverage to Florida if you choose to have your vehicle registered in the state.

One of the most important aspects of car ownership is automobile insurance. Without a coverage — or worse — not having sufficient protection can have devastating consequences. Whether you live in Florida or elsewhere, make sure that getting the right coverage is a priority.

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Florida Home Insurance Considerations

Article by Todd Meyers

Most homeowners purchase insurance to cover their most expensive and valuable asset. Certain areas of the country present special challenges because of the terrain and weather that increase risk of ownership. Florida residents face special challenges when attempting to purchase sufficient insurance coverage at affordable rates. Knowing the special coverage types required and what insurance packages are offered by Florida Home Insurance providers is the best way to protect your home.

Every Florida home insurance policy must cover sinkhole damage. A sinkhole will open when limestone dissolves and creates an underground cavern that becomes progressively weaker until the ceiling collapses and opens to the surface. Certain areas of Florida are more vulnerable and homeowners must be aware of the rate differences when purchasing homeowners insurance.

Hurricane coverage is another special coverage for Florida homeowners. Most homeowners will carry deductibles up to 3% of the home

Why Do Renters In South Florida Need Property Insurance?

Article by Emily Jackson

If you are renting a property in South Florida, do not put yourself at risk by choosing not to invest in property insurance. Just because you do not own the property you live in does not mean you do not own valuable items that do not need protection. If you choose to live without South Florida insurance and you experience a loss, you could be left trying to find a way to replace your belongings and rebuild your life. Understand what type of coverage is provided by a renter’s insurance policy and invest in protection for as little as per month.

Protect Your Belongings You Have Purchased Over the Years

One of the primary coverages provided by a renter’s insurance policy is personal property insurance. Over the years, tenants accrue a number of different belongings. If you have ever taken an inventory of your personal property, you may be surprised to find that you own more than ,000 in furnishings, electronics, clothing, and household appliances. Choosing not to insurance your belongings will certainly leave you in a bind if you ever need to file a claim. When you quote renter’s insurance, make sure to quote a policy that will value your property based on replacement cost. Replacement cost valuation will provide you payments based on how much items cost at the time of the loss.

Do You Have Protection Against Lawsuits?

Your landlord has insurance that will protect them against liability lawsuits if you or another individual tries to sue them. Landlord insurance will not protect you if a third-party claims you are negligent for their injuries or property damage. South Florida insurance for renters provides a minimum of 0,000 in personal liability coverage. This protection will cover you at home and anywhere in the world. In today’s litigious society, carrying personal liability insurance should be considered a must.

Loss of Use Coverage to Cover Immediate Expenses

The last thing you want to think of is what you would do if your house was totaled because of a fire or another catastrophic loss. If your home is uninhabitable, renter’s insurance will pay to replace your food, your clothing, and to rent a new property. Loss of use coverage comes in handy if you have to stay in a hotel and you do not have the money to pay for the accommodations.

For as little as per month, you can invest in a South Florida insurance policy for renters. Contact your auto insurance agent to see if you qualify for a multi-policy discount. Generally, when you combine property and auto insurance with the same carrier, the savings will almost pay for your renter’s policy. Invest in protection and get the peace of mind you need to sleep at night.

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Why Florida Home Insurance Quote Generator Websites Can Cost You More

You’ve probably used them many times in the past to get auto, home, and life insurance quotes. Quote generator websites have been around in many different forms since the start of the Internet to help you get lower prices on many different kinds of insurance.

While there are many variations to the way these sites work, here is the basic process they follow for homeowners insurance. You enter information about your home including its location, size, age, roof type, construction materials, and other features along with your contact information. That information is sent by these websites to insurance companies who review your information and decide whether they would like to quote a price to insure your home.

All of the interested companies provide their quote information either directly to the website you originally visited or they might contact you either directly or through one of their agents. Depending on the quote generator website you used, you may receive an email containing a detailed quote, phone calls from insurance agents, or perhaps both.

In states other than Florida where there are hundreds of companies competing for your home insurance business, these quote generator websites can work well. They do the legwork for you and you end up with a lot of cost effective options to choose from.

Getting quotes for Florida home insurance presents a totally different situation when it comes to using these websites.

To begin with, unlike in other states, Florida has a lot fewer companies to choose from since only about 40 home insurance companies are writing new business. In addition, you should know that these Florida home insurance companies pay the quote generator websites for each lead that is provided to them. In reality what is happening is that the Florida insurance companies are paying the quote generator websites for the higher search engine rankings their sites have in order to reach more customers.

If you decide to use a Florida home insurance quote generator website, you will have to consider one or more of the following issues when using them.

First, some Florida homeowners insurance companies won’t partner with the quote generator websites at all. They sell Florida home insurance direct or through an agent network and don’t want to pay the additional fee to a quote website for the cost of the lead.

In addition, there are a large number of quote generator websites out there for each company to use to buy customer leads from. They will be limited to selecting only a handful of the quote generator websites that they feel will bring the most traffic and customer leads to them. More importantly, this means that none of these companies can afford to be featured on all of the quote generator websites. If you pick the wrong quote generator website, you might miss out on 10 to 15 companies in your Florida County that want to cover your home.

In each of the two situations described above, you’ll run a high risk of missing out on multiple homeowners insurance companies in Florida who want to cover your home or you’ll find that you are receiving the exact same quotes from the same few companies over and over again. No matter what, Florida home insurance will cost you more.

Missing out on even one company that is interested in covering you home is not a risk that you should take during the Florida home insurance crisis. Each new Florida home insurance quote that you obtain could save you thousands depending on where you live.

Finally, if you are planning on using a quote generator website to get Florida home insurance quotes, you have to consider the privacy of your personal information. While most of these websites protect your personal information, using some of them will result in you receiving a high volume of unwanted emails and phone calls from Florida insurance agents with a quote from the exact same company.

Given the situation with Florida home insurance, you have a much higher chance of finding lower cost insurance if you contact multiple independent agents that represent a large number of companies to cover your home instead of using the quote generator websites. Working with at least two large independent agents who can offer you the largest number of Florida home insurance agents is essential. Since each agent may represent a different group of companies, contacting more than one agent is your best chance to get a Florida home insurance quote from all the companies writing new business in your local market.

The more Florida home insurance quotes you get, the more you will save during the Florida home insurance crisis.

Michael Letcher is a Fortune 500 executive and a licensed Certified Public Accountant. His on-line guide can help you find low cost options for Florida home insurance quotes. Learn the secrets to low cost Florida insurance at =>

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Florida Senate Candidate Vows to Repeal Florida Health Insurance Reforms

Article by Wiley Long

Amid widespread health care reform in Florida and a heated national health care debate, both Republicans and Democrats worry about potential changes to the Florida health care system. Florida Democrats, who are in favor of health care reform efforts, worry that an up-and-coming GOP Senate candidate may pose a serious threat to the quality of the Florida health care system.

Republican Marco Rubio has, until now, not appeared to pose a serious threat to health care reform in Florida. However, as the Republican candidate continues to build support for his nomination to the GOP Senate seat, Democrats are growing increasingly concerned about what Rubio might do if elected to office. Most importantly, Democrats worry that Rubio will repeal Florida health insurance reforms if he is elected.

That’s no wonder; Rubio has said himself that he plans to repeal Florida health insurance reforms if he wins the Senate seat. That repeal, he said, could mean decreasing health insurance costs for Florida residents and improving health care accessibility for all. The Democrats, however, don’t see it the same way, and are calling Rubio “nothing more than a typical politician who is in the hands of the health insurance industry,” said Eric Jotkoff, Florida Democratic Party spokesman.

According to Jotkoff and a press release issued by the Florida Democratic party, if Rubio does indeed have an alliance with Florida health insurance companies, as the Democrats suspect, Florida residents will have to pay more for their healthcare than ever before. Moreover, such an alliance would increase the federal budget, reduce health care access, and create financial difficulties for many Florida residents participating in the Medicare program.

“By pledging today to repeal health insurance reforms Marco Rubio not only promised to add to the federal budget deficit and deny Florida’s families access to health care, but Rubio’s repeal would also force senior citizens to continue paying for the skyrocketing costs of prescription drugs out of their pockets by re-opening the Medicare Part D donut hole,” said the Florida Democratic Party in a press release issued earlier this month. Rubio’s repeal also means that he wants allow insurance companies to deny coverage when you get sick because of a pre-existing condition.”

As health care costs continue to increase, including the costs of health insurance plans, one of the best things that Florida residents can do to help protect their health and their wallets is to enroll in a Florida health insurance plan now to lock in the monthly premium rates before they increase.

There are many different types of Florida health insurance providers. In order to find the right health insurance plan for their specific needs, lifestyles, and budgets, Florida residents should consult with a qualified health insurance plan broker who can help compare health insurance plan offerings and rates to find the best one for each individual applicant. For example, Florida residents may be able to receive health insurance plans through their employers in addition to health insurance plans that they qualify for on their own. Even if a Florida resident is able to get a health insurance plan through an employer, he or she may be able to get a better rate on a plan he or she gets independently of the employer.

One of the most popular health insurance plan options is a Health Savings Account plan, which allows participants to save money into a high-interest yielding savings account that they can earmark to pay for health insurance expenses. With a Health Savings Account, participants will also receive a tax deduction for the funds they deposit into their Health Savings Account and use on qualifying medical expenses. Also, Health Savings Account options come with high deductible health insurance plans that have low monthly premiums, significantly reducing participants’ monthly health care expenses.

Whenever enrolling in a new health insurance plan or changing health insurance plans, it is important for individuals to speak with an experienced health insurance advisor to ensure that they have all the information they need to make a wise financial an healthcare decision for their specific needs, budgets, and lifestyles.

About the Author

By Wiley Long – President, – Florida’s leading independent online health insurance agency specializing in individual and family Florida Health Insurance. Get instant

Melbourne Florida Auto Insurance

Article by Ballard Insurance

Finding the right Auto insurance in today’s world seems easier than ever. All we have to do is just go online and click a few buttons and there you have it, your covered!!! Right?!? Have the correct Auto Insurance for you is critical. You need to KNOW you have the right coverage not just HOPE.

Finding the Auto Insurance coverage you need does not have to be a pain stacking process. Let face it, most of s don’t understand the Auto Insurance industry and that’s OK. That’s why there are highly trained pros to help us get the most out of our Auto Insurance coverage!

Right here in Melbourne Florida you can go to Ballard Insurance Agency. They are a Independent Insurance Agency that will compare the rates of all the top companies to insurance you get the right Auto Insurance coverage at the right price. Because Ballard Insurance in Melbourne Florida is a independent agency they are not tied down to one big company that will push there policy only. Ballard Insurance has all of the resources of they large national companies but with a personal business touch. You can access instant quotes on their web site, and then have a trained professional, an actual person not a computer!!!!, to walk you through the rest of the process of getting you Auto Insurance policy ready.

Ballard Insurance Agency can take the stress out of looking for the best Auto Insurance coverage you can get it Melbourne. There highly trained staff has been in the Auto Insurance industry in Melbourne Florida for over 10 years and understands all the ins and outs. They will make sure that your are getting the best Auto Insurance courage in Melbourne Florida for the best price!

Don’t HOPE you have the right Auto Insurance Coverge, GET IT. Go to Ballard Insurance Agency in Melbourne Florida for your Auto Insuracne needs.

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Ballard Insurance has been meeting the Auto insurance needs of Melbourne Florida and the surrounding areas since 1999. How much auto insurance coverage do I need? What are the car insurance laws? Do I need a car accident attorney if it wasn’t my fault
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Florida health insurance block health-care reform

On his first day as Florida’s new House speaker, Rep. Dean Cannon took a clear shot at President Barack Obama’s new health-care reform law. Easy To Insure ME has the answers

“Should it really be the role of government to require people to purchase a health insurance product they don’t want, raise taxes to give that same product to others who can’t afford it, and commandeer our state government and its resources to carry it out?” Cannon, a Winter Park Republican, told House members after being sworn in two weeks ago.

“Or, should we work to limit government and empower the private sector?”

On numerous fronts, Florida policymakers have already answered that question.

While the fight against President Obama’s health-care reform may be centered in the Beltway, Republican resistance to the sweeping new mandates is also taking shape in Tallahassee. Among the battlefronts:

• Florida led the charge with 19 other states last March by challenging the law in federal court, claiming the mandates that uninsured people buy coverage violated states’ rights. A judge in Pensacola is expected to rule shortly after a Dec. 16 hearing on whether the suit can move forward. More states are expected to join after a new crop of state attorneys general are sworn into office in January.

•Last spring, GOP legislators hastily drafted a constitutional amendment spelling out that Florida businesses and residents couldn’t be forced to buy insurance, but a Tallahassee judge threw it off the November ballot for “misleading” language. Lawmakers have re-filed an altered version and hope to place it before voters in 2012.

•And perhaps most significantly, legislative leaders are poised to block spending and rules necessary to implement the law. Already, state regulators has refused to impose minimum spending mandates that might generate refunds for consumers – but which health insurers say will hurt their profits. And Gov.-elect Rick Scott has also made clear he doesn’t want the state doing anything to help the law along.

The Patient Protection and Affordable Care Act passed last spring anticipated that the states would lead the way on many of its more than 100 changes to the nation’s health care system. With 3.8 million uninsured residents, Florida is one of the states that would be most affected by the law.

The most controversial reforms – including the requirement that individuals buy coverage or pay a penalty — don’t start until 2014, and phase-ins continue until 2018. But the bill requires states to start working now to improve their data-collecting and enforcement mechanisms.

It was hoped states would create their own insurance exchanges, to match individuals with insurance plans; establish “high-risk” pools to insure people now shunned by providers; and police new restrictions on insurance company profits.

But Gov. Charlie Crist opted last spring not to immediately tap into federal grant money to create a Florida high-risk pool to cover people with pre-existing medical conditions, deferring to the federal government. And now Cannon, R-Winter Park, and Senate President Mike Haridopolos, R-Merritt Island, may seek to block any cooperation by the state.

Florida has been awarded million in grants to provide 0 rebates to seniors who fall into the “donut hole” in the Medicare prescription drug program; to help prepare the Office of Insurance Regulation to evaluate out-of-state insurers seeking to sell health coverage in the state; and to plan for creating a health-care marketplace, or “exchange,” and other changes.

But even before he was officially named speaker, Cannon warned Crist that no state agency should take any steps to comply with the law “without clear and comprehensive guidance from the Legislature.” The Oct. 19 letter demanded an itemized accounting of all state agency activities regarding the federal law.

Specifically, the letter singled out the Office of Insurance Regulation for work it has begun – and which legislative budget-writers approved – to study how Florida’s health-care laws should be amended to conform to the federal reform, and to boost the state’s ability to handle new rate-filing data.

“Not only are Florida insurance officials helping the federal government to write rules on these matters, but [OIR] is jumpstarting these new regulatory functions by developing data systems necessary for enforcement,” Cannon complained.

He added: “We intend to develop a clear and statutorily-defined framework for Florida agencies’ activities in regard to the federal health law. Pending such legislative action, state agencies should examine each anticipated action or function in light of their specific statutory authority.”

Laura Goodhue, executive director of Jupiter-based health-care advocacy group Florida CHAIN,

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