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Coverage's

Auto

Auto insurance protects you against financial loss if you have a loss. Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is made up of different kinds of coverage's. Florida requires you to buy some, but not all, of these coverage's. If you're financing a car, your lender will require comprehensive and collision. Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Business

Business insurance protects your investment by minimizing financial risks, such as an injured employees, a lawsuit, or a natural disaster. it is common practice to purchase enough insurance to cover your assets.
Most states require businesses with three or more employees to pay for workers' compensation insurance, unemployment insurance, and state disability insurance. If you own a car or truck and use it for business purposes, you may be required to purchase commercial auto insurance, also financial lenders or investors may require you to maintain life, business interruption, fire, flood or other types of insurance to protect their investments.

Home/Mobile Home

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Boats/Jet ski

Your boat insurance policy may include the following:

Collision damage: Includes repair or replacement of your boat, but may or may not include clean-up of wreckage unless you purchase optional additional coverage.
Property damage liability: Covers damage you might cause to someone else’s boat, a dock, or other property or structures.
Bodily injury liability: Covers injury you might cause someone while using your boat; includes medical bills, lost income, pain and suffering, and legal expenses.
Comprehensive: Provides compensation if your boat is vandalized, stolen, or damaged in an incident other than a collision.
Additional coverage options: Coverage for medical payments, fishing equipment, oil spills, personal property and towing assistance, as well as damages and injuries from accidents caused by boaters who are uninsured or under-insured.

The amount of compensation you receive for a claim depends on a few things, including your deductibles, limits and whether your boater’s insurance covers your boat’s actual cash value, replacement cost or agreed upon value.

Motorcycle/ATV

We provide affordable motorcycle insurance through multiple company's that are tailored for you, based on your needs including: comprehensive, collision, and bodily injury. We also offer replacement cost, rental reimbursement, and cover special equipment.

RV/Trailer

Many of these coverage types are optional, allowing you to work with your insurance agent to customize your RV insurance policy to fit your needs.
RV coverage types that you can choose from typically include:

Liability insurance – This will help protect you against costs associated with bodily injury and property damages suffered by others in an accident you caused.
- Most states require liability insurance for all registered vehicles.
Comprehensive – This coverage will help with costs if your RV is damaged due to most non-collision related incidents.
- Examples of covered incidents include fire and theft.
Collision – If your RV is damaged in a collision, this coverage will help with repairs or replacement of your RV.
Vacation liability – Like standard RV liability insurance, this will help with costs of others’ injuries or property damage. However, this coverage is meant to cover you only when someone is hurt or their property is damaged due to your RV being used for vacation purposes, as opposed to operation on the road.
Roadside assistance – Things go wrong. This coverage can help you get back on the road when your RV is suffering mechanical issues.