> Earthquake coverage Quake coverage is available as additional coverage to standard commercial property and casualty policies. Earthquake coverage is available throughout Washington state, although it is relatively expensive for masonry structures and business operations with high-risk inventory or equipment.
> Flood Coverage for damage caused by floods is not included in ordinary homeowners and commercial policies, but must be added as an endorsement. Flood insurance, which also covers damage caused by mudslides, is available through a program run by the Federal Insurance Administration; contact your agent or call (800) 427-4661 for more information.
> Foreign-product liability This coverage applies to losses that occur because of difficulties involved in distributing or acquiring items that are manufactured by foreign suppliers.
Before you buy any health insurance policy, make sure you know what it will pay for...and what it won't. To find out about individual health insurance plans, you can call insurance companies, HMOs, and PPOs in your community, or speak to the agent who handles your car or house insurance.
Tips when shopping for individual insurance:
Shop carefully. Policies differ widely in coverage and cost. Contact different insurance companies, or ask your agent to show you policies from several insurers so you can compare them.
Make sure the policy protects you from large medical costs.
Read and understand the policy. Make sure it provides the kind of coverage that's right for you. You don't want unpleasant surprises when you're sick or in the hospital.
Check to see that the policy states: the date that the policy will begin paying (some have a waiting period before coverage begins), and what is covered or excluded from coverage.
Make sure there is a "free look" clause. Most companies give you at least 10 days to look over your policy after you receive it. If you decide it is not for you, you can return it and have your premium refunded.
Beware of single disease insurance policies. There are some polices that offer protection for only one disease, such as cancer. If you already have health insurance, your regular plan probably already provides all the coverage you need. Check to see what protection you have before buying any more insurance.
If you live in the following cities and need an Insurance Advisor or to get a
quote, you should contact our Florida Insurance Advisors today:
Apopka
Boca Raton
Boynton Beach
Brandon
Clermont
Daytona Beach
Deltona
Dunedin
Fort Lauderdale
Gainesville
Hallandale
Hialeah
Hollywood
Jacksonville
Key West
Kissimmee
Lake Wales
Lake Worth
Lutz
Melbourne
Miami
Miami Beach
Middleburg
North Miami Beach
Opa Locka
Orange Park
Orlando
Ormond Beach
Oviedo
Palm Harbor
Panama City
Pensacola
Pompano Beach
Port Richey
Riverview
Tallahassee
Tampa
Valrico
West Palm Beach
Winter Park
Winter Springs
Did You Know?
There are several areas of risk that you should consider if you operate a business in your home.
These include: Business-related personal property coverage (computers, furniture, etc.) Inventory Off-premises coverage for business-related personal property Business property of others accounts receivable (up to a specified limit) Liability coverage may include personal injury, products and completed operations, incidental contractual liability, and general commercial liability. Electronic data processing coverage Valuable papers Business interruption and extra expense
Search Site:
Latest News
Latest Insurance related news in
Florida and nationwide:
Mar 02, 2007 - Secure The Right Care In Your Later Years HIPAA offers protections for individuals who have preexisting conditions, helping them to keep coverage for those conditio Read more >
Mar 02, 2007 - Dwindling Insurance Pushing People To Financial Brink People who had medical expenses as part of their credit-card balances had much higher credit-card debt than those who did Read more >
Mar 02, 2007 - Growth In U.S. Health Care Spending Slows Despite the slowdown, the share of household personal income spent on health care rose from 5.4 percent in 2001 to 6 perce Read more >
Legal Disclaimers The information provided on FL Insurance Advisors.com is not intended to be insurance advice, but merely conveys
general information related to insurance issues commonly encountered.
Local Professional? Generate new business today
Call 866-227-9356 or contact a sales rep
Did You Know?