Whether you’re taking your RV on an extended trip or just a weekend getaway around Kissimmee, FL, you probably want to carry some RV insurance. You might understand your insurance offers liability coverage in case you cause an accident, and you may also have a policy that helps pay for when you’re the victim of a collision. But what about incidents "other than collision", such as theft? Familia Insurance Agency is happy to give our readers some clarification!

Damage from Theft vs Theft of Personal Property

When it comes to theft, Comprehensive RV insurance will probably cover any physical damage to your RV if the trailer itself is stolen or damaged in the commission of a crime. However, your RV policy probably won’t cover the cost of stolen personal items, even if such items were inside the RV. For personal property, the coverage for those items extends to your home or renter’s insurance. Standard liability insurance for RVs rarely covers non-collision damages – comprehensive coverage is what you need.

An Example:

You leave your RV at a campground for the afternoon. When you return you notice the cabin door has been forced open. The lock is broken and inside you notice your jewelry and television have been stolen. The thieves left a hole in the wall where the TV used to be. 

In the above scenario, your comprehensive policy might provide to repair the locks or holes in the wall of your RV. It probably would not cover the cost to replace your jewelry or television, however.

Everyone’s insurance needs are different. The RV you own will influence the coverage you need. If you plan to RV around Kissimmee, FL, reach out to Familia Insurance Agency today to learn more about RV insurance!

Florida is an excellent state for motorcycle enthusiasts with miles of open roads that hug the coastline and year-round warm temperatures. You may have noticed some motorcyclists are wearing helmets, while others aren’t wearing them. If you’re considering purchasing a motorcycle to join them but are uncertain of the laws, the Familia Insurance Agency can help you understand the type of coverage you need in the Kissimmee, FL area. The agency knows all the latest regulations regarding motorcycles and can help you ride free and still stay covered in case of an accident. 

Motorcyclists and Helmets for Riders Under 21

All riders need coverage to drive a motor vehicle in Florida. Helmet rules in the state aren’t as straight forward and have changed over the past few years. Florida doesn’t participate completely with Federal motorcycle safety laws, but it does require all riders under 21 years of age to wear a helmet regardless of their insurance coverage. The same rule applies to riders of mopeds under the age of 16. 

Motorcyclists, Helmets, and Insurance for Riders Over 21

If you’re 21 or older, the state allows an exception to helmet regulations. With proof of insurance, motorcyclists can ride without protective headgear. All persons riding a motorcycle regardless of their headgear requirements must wear protective eyewear.  

The Familia Insurance Agency wants to protect your freedom and your financial health in the event of an accident. We can help you get the minimum coverage to ride helmet-free. For clients under 21, our agents can get them started with coverage so they can start enjoying the feel of the road under their feet and wind brushing their faces. Contact one of our agents today to find the right coverage for your new motorcycle. 

There are few days in Kissimmee, FL that locals cannot enjoy the waterways. The weather is typically fair and the waters are calm and inviting more often than not. This does not mean that boaters in Florida can relax too much. At Familia Insurance Agency we want you to be safe out on the water so here are some reminders on boat regulations and safety tips for staying safe year-round. 

Florida Boat Regulations for Safety

• Stay Sober — Drunk boating, like drunk driving, is deadly and illegal. If you are the captain of the ship do not drink. 
• Check the Weather Forecasts — This falls under the reckless and careless operation section. You are responsible for your due diligence when it comes to exploring the waterways. Do not get caught in a dangerous situation because you did not check the weather before boarding. 
• Know the Signs — Waterways do not have the same signs, traffic laws, and safety features as roadways. There are specific flags and symbols that indicate that there are people just under the water in some areas, other signs mean no wake, and other signs indicate weeds or debris in an area. It is your responsibility to know this before you drive a boat. 

Familia Insurance Agency serves Kissimmee, FL with quality insurance services for boaters in the area. We want all of our clients and boaters in Florida to be safe as they enjoy our state’s natural resources. If you would like to learn more about boater safety or if it has been a while since your last class then it is a good idea to take Florida boater safety refresher. 

For some, your typical insurance is just not enough to cover what you want it to. For those individuals, that need more coverage, umbrella insurance may be what you need. For those that are near the Kissimmee, FL area, the agents with Familia Insurance Agency can help you find the policy that is going to work best for you and your existing policies.

So, what does umbrella insurance cover? Umbrella insurance is something that is very special and that can be applied to just about any coverage that you want. What your umbrella policy covers depends namely on what you place the umbrella policy on. If you are buying an umbrella policy for your car insurance policy for example it may function as a supplementary liability policy. if you take an umbrella policy out on your home insurance it may serve to get you a bigger settlement for your contents.

If you are looking to take out an umbrella policy you may want to speak with an insurance agent so that you can find out more about what an umbrella policy may cover, about what sort of umbrella coverage you may want to take out, and about what you might want to apply that sort of coverage to. An umbrella policy is not right for all people and you should take the time to see if this is the coverage that is going to be right for you or if there are other coverages that might work better for your particular needs.

For those that live near the Kissimmee, FL area, the agents with Familia Insurance Agency can help you to find the policy, and the policy type that is going to work best for you and for your particular insurance needs and coverage wishes.  

Many homeowners and condo renters in Kissimmee, FL do not know that their homeowners, renters or condo insurance does not cover floods. This universal natural disaster can occur anywhere in Florida, according to the Federal Emergency Management Agency (FEMA). That is to mean that your home is never completely safe from floods even if it has not been marked as a flood zoned area.

At Familia Insurance agency, we recommend all homeowners and condo renters to buy flood insurance to protect your valuables. Damage by floods can completely render you homeless and rebuilding from scratch may take quite some time.

Why you need flood insurance

It takes only one inch of water to cause damages worth $25,000 in your home based on a report from FEMA. You may live thousands of miles from the flood zones, or your area may be low risk, but that does not mean that there aren’t any risks. In fact, about 20 percent of flood insurance claims typically come from homes and properties outside high risk. So, as much as high-risk areas need flood insurance so are low-risk areas.

Estimations may go wrong

Well, the sad truth is that floods can happen anywhere. Every now and then maps do change, which means that your area won’t be a low risk forever. Weather patterns are also unpredictable. We have seen meteorologists fail terribly in giving accurate weather results. Therefore, instead of panicking searching how far floods can get, your nearest insurance agency can help you get a policy.

Whenever there is rain, there is always a possibility of floods. Keep in mind that there is a 30-day waiting period for your insurance policy to take effect. You don’t want to risk and wait 30 days. Let Familia Insurance Agency in Kissimmee, FL help with all the info you need to get a suitable package for flood insurance. 

If you’re wondering what kind of insurance to get to protect your dream condo, we can help. At Familia Insurance Agency in Kissimmee, FL, we offer individual condo insurance coverage to protect your newly acquired investment. Condo insurance can protect you, your condo and your personal goods from disasters that can deplete your finances. Here’s a closer look at what condo insurance covers.

Personal Liability  

If you plan to entertain in your Florida condo, liability coverage is a must. Personal liability coverage protects you against accidents a visitor may have while on your property. If one of your guests slips and falls during a party and breaks his arm, liability coverage will cover his medical bills so you don’t have to dip into your savings to do so.

Dwelling Protection  

Dwelling (building) protection covers the cost of repairs to the inside of your condo such as walls, built-in shelving, fixtures, flooring, etc., if your unit gets damaged in a disaster that’s covered by your policy such as fire, storm damage or water damage from broken pipes. If your investment is important to you, you’ll protect it with building coverage.

Personal Property Coverage

Your personal goods are just as important as your unit, especially if it took you a while to collect them. Personal property coverage protects your stuff to include clothing, furniture, electronics, appliances, artwork, jewelry and more. If these goods are stolen, vandalized or damaged in a covered peril, personal property insurance will help pay for repair or replacement costs, depending on the coverage on your policy.

Actual cash value coverage covers the cost of your goods minus deprecation. Replacement cost coverage will replace your goods without taking off for depreciation.

To learn more about condo insurance and the benefits it has to offer, contact Familia Insurance Agency in Kissimmee, FL.

Smart business is easier to manage and commercial insurance fits with this nicely.  Profits are the focus for business owners and the insurance plans can be a part of the business success. Asset protection is smart for personal protection and business planning.  These talks should be nice and comforting as you choose to build relationships with a provider that wants to help you succeed. Contacting Familia Insurance Agency could help you with smart business management for general liability, commercial umbrella insurance, and business property insurance. The company is experienced serving Kissimmee, FL and the trained staff can be there for your business discussions about commercial insurance.  

Business owners that plan for success already have a lead for best practices.  The smartest of business management is to see the success you want for your business. This includes plans for growth, workers comp, and successful profits that come out of your efforts to build your business.  Sales planning may be for product sales or services, with both providing even more opportunities for profits and successes. Do you offer any services with your products?  Maybe you could, and maybe that new work offering is what gets your growth to that take-home income that satisfies you personally. 

Confidently get your business insurance lined up and make it a point to build a strong relationship with a company such as Familia Insurance Agency. This could the best business management to align your business with the goals for success. Serving Kissimmee, FL, the insurance company is able to celebrate your successful planning as a business. Contact Familia Insurance or go online at http://www.familiainsuranceagency.com for more information about commercial insurance for your successful business.  The experienced staff is ready to answer your questions and go through some options for you. 

For those that are renting for short periods of time, traditional renter precautions may seem silly, but they can be beneficial in certain cases. For those that live in the Kissimmee, FL area, the agents with Familia Insurance Agency can help you determine what type of coverage you need and if you are going to be fully covered.

Traditionally, leases are carried out in year-long intervals with potential breaks and reductions in cost for longer leases or for larger deposits up front. There are some leases however that are in several months long, a month-long, or even in week terms. These leases are usually for people that are not intending to stay in the place for long or are in between a more permanent arrangement. For longer leases, renters insurance is certainly a very beneficial type of insurance to have. For shorter leases, you may not think you need renters insurance but it can still be beneficial.

With shorter leases, you can still see the need for renters insurance. A fire, disaster, or other major damages have no time limit and do not care that you are only in a six-month lease, a renters policy is always a good idea. Especially if you have many possessions or have something that is worth a great deal of money. For those that do have a rental property, you can get a rental policy that reflects the short duration of your lease or you can simply change or end the renter policy when your lease is up.

For those that live in the Kissimmee, FL area, the agents with Familia Insurance Agency can help you find a policy that is going to work for you and that is going to cover all your bases.