Insurance is there to protect what matters most, your home, your car, your business and your family. Having the right insurance is key to making sure that you are fully protected. Unfortunately, many Florida families make these common mistakes when managing their insurance policies:
A common mistake that people make when purchasing home owner’s insurance is that they only insure the property for the market value and not for the replacement cost. In the event that a home is damaged, and needs to be re-built or repaired, a market value policy won’t cover all of the costs since it doesn’t factor in the rising costs of materials, labor, and need for updated building codes. This results in the family having to pay out of pocket for the difference. Avoid this mistake by working with your insurance agent to ensure that it covers replacement cost. For more information, please visit Home Insurance
While saving money might seem like a no brainer, choosing the lowest premium could leave you in the lurch. The lowest premium is the lowest coverage and could be missing key elements such as uninsured motorist protection on an auto policy or have inadequate liability limits which could leave you with a high deductible.
Florida has one of the highest rates of uninsured drivers. If you are in an accident with an uninsured driver, how well would you fare financially? Don’t make this mistake. Instead, make sure you balance affordability with adequate protection. Get balanced coverage, see if you qualify for a “safe driver” discount, to get the best coverage for you and your family - Auto Insurance
Life happens and a lot can change in a year. Life changing events such as a new baby in the house, getting married, having a new driver in the house or purchasing a new home, car, boat, RV could change your insurance needs. A yearly insurance review makes sure that your current policies are still relevant to your needs. A review could highlight issues such as being underinsured or could uncover that you have overlapping policies which could be reduced. Learn more about the ins and outs of a yearly insurance review at Insurance Policy Review
We are available to review your coverage and talk about what changes may be coming for you in the new year. So much can change in the span of 12 months, don’t let your lack of insurance coverage surprise you. Contact us at 407-644-9991 to schedule your review.
An umbrella policy provides an extra layer of liability coverage. This policy would kick in when you have exhausted the limits on your homeowners or auto insurance policy. It could save you from financial ruin. For example, if you are hosting a party at your home and one of your guests slips and is injured severely. This guest is now suing you for medical expenses, loss of wages, and pain and suffering. Your homeowner’s insurance policy only pays a portion of the cost. An umbrella policy would then kick in and cover the difference. An umbrella policy can bail you out in the event your young adult or new teenage driver causes a car accident and your auto insurance coverage meets its maximum. You can lean on your umbrella policy to continue supporting the claim. Learn more at Umbrella Insurance Coverage
An umbrella policy is low cost and adds an extra layer of protection to keep your from losing everything. Our agents would be happy to explain the benefits to you. Please call 407-644-9991 to speak with one of our agents.
Many Floridians neglect to insure recreational vehicles such as boats, ATVs, jet skis, and trailers. These toys need their own insurance policy. By not insuring them, you are at risk. If these items are stolen, damaged, or cause injury to others then you would have to pay out of pocket for replacement, repair, or for any medical care for others. Brockman Insurance Group offers boat insurance as one of the many coverages on fun toys. For more information on boat insurance, visit Boat Liability Coverage. Other policies available include coverage for RV’s, motorcycles, side by sides and golf carts.
Call us today at 407-644-9991 for a quote. Peace of mind and sufficient coverage is just a phone call away.
Avoid these common mistakes in order to protect your family and your future. Brockman Insurance Group is here to help you safeguard your home, your vehicles, and to protect you from unexpected setbacks.
We serve all of Central Florida and have assisted your neighbors in Altamonte Springs, Maitland, Sanford, Oviedo, Orlando, Eustis, Casselberry, and across the state with their insurance needs. Please contact us today at 407-644-9991 so that we may assist you in finding the right insurance.
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