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Personal Umbrella Insurance

A personal umbrella insurance policy is a form of insurance that provides you with liability coverage that exceeds what your homeowners insurance or automobile policy covers.

Home Insurance thumbA personal umbrella insurance policy is a form of insurance that provides you with liability coverage that exceeds what your homeowners insurance or automobile policy covers. At Wise Insurance Agency, LLC, we can help you determine if this form of insurance would benefit your personal situation and introduce you to the coverage options available to you.

It is important to keep in mind that not everyone in Florida technically needs personal umbrella insurance. However, if your liability coverage isn’t enough to cover you in a car accident or after an incident occurs on your property, your personal umbrella policy would kick in and take over when your other liability limits have been reached. For example, a personal umbrella insurance policy could be highly beneficial in the following situations:

 

  • A repairman slips and falls on the pavement exiting your home, resulting in an injury award that is in excess of your home insurance liability coverage.
  • While driving to work, you swerve to avoid hitting a dog in the road and collide with a motorcyclist. As a result, the motorcyclist’s medical and repair bills total more than what your auto insurance policy covers.
  • Your family dog bites a child visiting your property and causes a serious injury that results in expensive medical bills.

Not only can a personal umbrella insurance policy protect your financial interests, but it can give you greater peace of mind knowing that you will always be covered, regardless of what occurs. To receive a free quote on this form of insurance, contact us at Wise Insurance Agency, LLC today.

Condo Insurance

If you need condo insurance to protect your personal belongings, we are here to provide you with complete and affordable options.

166154038Owning a condo in Florida is a great alternative to a single-family home. While condos are associated with many benefits, they also have their own specific insurance needs. If you need condo insurance to protect your personal belongings, we are here to provide you with complete and affordable options.

Many condo associations have insurance, which is why you may believe that condo insurance is not a necessity. However, the insurance your condominium association possesses likely only covers the actual structure of the building, liability coverage for the association, and any commonly owned property. In most cases, this insurance won’t cover you or your belongings. For example, if someone broke into your condo, water damaged your living room walls and furniture, or someone injured themselves after slipping on your wet kitchen floor, you could be held liable for the expenses associated with these situations without condo insurance.

Typically, your condo association’s coverage stops at the exterior walls of your building. This means that you are responsible for the fixtures of your condo, the interior walls, and your personal property. With condo insurance, you are protected against the effects of fire or lighting, smoke, windstorms, vandalism, theft, or the accidental discharge of water.

If you have any questions about what your condo insurance policy will cover, one of our agents at Wise Insurance Agency, LLC will be more than happy to go over the details of your policy with you. Give us a call today for more information about obtaining coverage for your condo.

Personal Umbrella Insurance

A personal umbrella insurance policy is a form of insurance that provides you with liability coverage that exceeds what your homeowners insurance or automobile policy covers.

Home Insurance thumbA personal umbrella insurance policy is a form of insurance that provides you with liability coverage that exceeds what your homeowners insurance or automobile policy covers. At Wise Insurance Agency, LLC, we can help you determine if this form of insurance would benefit your personal situation and introduce you to the coverage options available to you.

It is important to keep in mind that not everyone in Florida technically needs personal umbrella insurance. However, if your liability coverage isn’t enough to cover you in a car accident or after an incident occurs on your property, your personal umbrella policy would kick in and take over when your other liability limits have been reached. For example, a personal umbrella insurance policy could be highly beneficial in the following situations:

 

  • A repairman slips and falls on the pavement exiting your home, resulting in an injury award that is in excess of your home insurance liability coverage.
  • While driving to work, you swerve to avoid hitting a dog in the road and collide with a motorcyclist. As a result, the motorcyclist’s medical and repair bills total more than what your auto insurance policy covers.
  • Your family dog bites a child visiting your property and causes a serious injury that results in expensive medical bills.

Not only can a personal umbrella insurance policy protect your financial interests, but it can give you greater peace of mind knowing that you will always be covered, regardless of what occurs. To receive a free quote on this form of insurance, contact us at Wise Insurance Agency, LLC today.

Renters Insurance

Renters insurance should be a necessity for every tenant in Florida.

166154038If you rent a home or an apartment, you may think that if a fire, flood, or any other sort of disaster occurs, your belongings will be protected under your landlord’s property insurance policy. However, this is not generally the case. If a disaster ever occurred, your landlord may have coverage for the actual structure of the building, but not your personal belongings. This is one of the primary reasons why renters insurance should be a necessity for every tenant in Florida.

At Wise Insurance Agency, LLC, if you don’t already have a renters insurance policy, we strongly encourage you to turn to us to help you select one. Or if you already have a policy, we may be able to help you acquire a better rate. Our goal is to make sure that you have the right amount of coverage for the right price.

When renters turn to us to find out more about obtaining a renters insurance policy, one of the common reasons why they claim they do not need this form of insurance is because they believe they do not own very much. If you have had the same thought, you probably own more than you think. Just think about replacing all your clothing, furniture, and technology-- it could easily cost more than thousands or even tens of thousands of dollars.

At Wise Insurance Agency, LLC, our renters insurance options are flexible, allowing you to pick the coverage and insurance amount that suits your specific needs. To find out more about why you absolutely need this type of coverage if you rent a home, condo, or apartment and to receive a free quote, give us a call today.

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