Being a freelancer comes with extreme freedom and flexibility. You can choose where and when to work, and you don’t have to answer to anyone. You get to decide what projects to take and which clients to work with and get paid. However, like any other business, you’re not exempted from risks that other professionals and businesses go through. You can be sued, injured, or even have your working tools vandalized. For this reason, you want to ensure that you have the right insurance coverage like any other professional. Here are the top coverages for freelancers in Kissimmee, FL.

General liability insurance

Every business needs general liability insurance to protect it from common accidents, which can turn out expensive in the long run. General liability protects your clients and employees—like a delivery person, driver, or personal assistant.

Cyber Liability Insurance

Cyber liability is a must-have for most freelancers. Most freelancers operate online, which is risky in data breaches, fraud, identity theft, and other cybercrimes. Cybercrimes can be extremely expensive and can even cost you your job. At Familia Insurance Agency, we recommend buying enough cyber liability insurance to protect you from other destruction like fire and vandalism that could affect your productivity.

Professional liability

When general liability protects you from property damage and injuries, professional liability protects your business from lawsuits that your clients may file concerning your services. You can be sued for late service delivery, poorly done work, or negligence.

Business interruption

Freelancing comes with many interruptions, from poor internet connectivity to computer breakdown, which can prevent you from working efficiently. Business interruption insurance helps get you back to work as soon as possible.

Give your client the best without worrying about what could happen next with our help. At Familia Insurance Agency, we care about what matters to you, and that’s why we ensure you get a policy tailored to your field. Contact us today!

If you have rented a condo in Kissimmee, FL, you might be under the impression that your landlord has an insurance policy covering the entire property and its contents. Well, that is wrong. Most landlords only cover the structure, and they do not have a policy that covers damages or risks faced by their tenants. This is the main reason why Familia Insurance Agency is encouraging tenants to get renters insurance. 

What is Renters Insurance?

A renters insurance policy is structured to protect your personal properties in a rented condo if you experienced unexpected occurrences such as loss of possessions, sewer damages, possible fire outbreaks, and theft. This type of insurance can also come in handy if a person is injured in your condo. 

As you can see, you can easily confuse renters insurance with homeowner’s insurance. However, the renter’s insurance policy is limited in that it does not cover the structure but the contents inside the rented room. That is why you should not depend on your landlord’s homeowners insurance to cover your belongings. 

How Does Renters Insurance Work?

If you experience risks on covered items in your rented room, the insurance policy will cover all the associated costs. The amount of compensation will depend on the level of your coverage and the loss you have experienced. Some standard coverage options you can get in renters insurance include replacement costs and actual cash value coverage. 

Do You Need Renters Insurance in Kissimmee, FL?

As you can see, your landlord’s homeowners insurance does not cover your belongings in rented apartments. It is upon you to get renters insurance and cover your belongings against possible risks. Familia Insurance Agency can help you get a personalized policy that will protect your belongings against fire, theft, and even natural disasters.

If you live in the city of Kissimmee, FL and live in a condo, you might want to know more about condo insurance and what your options are. You can learn more about this topic from a place such as Familia Insurance Agency.

If you live in Florida, in a condominium, you should really look into HO6 or condo insurance. This is necessary in order to protect your walls, belongings, furnishings, and other items. There are many discounts that you could potentially get when you are purchasing condo insurance in the state of Florida, depending on your specific situation and what you qualify for.

If you live in a condo, your homeowner’s association will have a master insurance policy that will cover the exterior of the building, as well as the common areas. However, this will not cover anything inside of your own unit. In order to cover your unit and everything in it, you will need condo insurance. Condo insurance will cover the interior structure of your home, personal property, personal liability (if someone is hurt in your condo and decides to sue), medical payments (for guests who are injured in your home), and loss of use (any food or shelter that you need if you are forced to relocate temporarily by a claim that is covered by your policy).

The amount of coverage that you need will depend on your belongings and lifestyle. For example, if you have a lot of expensive belongings, you should purchase more personal property coverage than the minimum that is generally recommended.

If you live in Kissimmee, FL, you should feel free to contact Familia Insurance Agency with any questions that you might have about condo insurance. They will be able to give you the information that you need and perhaps help you decide on the right condo insurance policy for you.

The Kissimmee, FL area can be a great place to live. Those that are in this area will find that there are many great local amenities and job opportunities. When new to the area, renting a home could be a great option as it offers a number of advantages. If you do choose to rent a home here, there are several reasons to get a renters insurance policy. 

Insurance Coverage Will Protect You

One of the reasons to get a renters insurance policy is that it will protect you. If you are going to move into a new home here, you will want to make sure that your personal assets are properly covered. Your renter’s insurance policy will give protection to repair or replace your personal assets if they are damaged, destroyed, or stolen. Additionally, renters insurance will give liability coverage if you are found liable for property damage or an accident that results in serious injuries.

Coverage Will be Required By Landlord

Another reason to get a renters insurance policy is that it will be required by your landlord. A property owner and manager will be protected when their tenants carry the proper insurance. Due to this, they will often require that all tenants carry a full renters insurance policy as long as the lease is in place.

Having proper renters insurance is very important for anyone moving into the Kissimmee, FL area. Those that are looking to rent a home in this area of Florida should call Familia Insurance Agency to discuss their insurance needs. The team at Familia Insurance Agency understands the importance of having proper insurance. When you call them, you can receive the guidance needed to understand your options and pick a policy that offers the right coverage. 

RV life provides a great sense of freedom and adventure. Traveling in your RV can be a lot of fun while making the decision to live in your RV can simplify your life in many ways. Before you make the switch to full-time RV life, though, there are some important things you should consider. At Familia Insurance Agency serving Kissimmee, FL, we know that in order to make the best decisions concerning insurance, you need the best information. Keep reading to find out what you need to know about RV insurance. 

Why Is RV Insurance Important?

RV insurance is important because you will not be able to safely and legally operate your RV in most states without sufficient coverage. In addition to simply keeping yourself legal, RV insurance is also there to protect your investment. You have spent both time and money on your RV. You want to make sure that your investment is protected. This is especially important if your RV is going to be your permanent home.

What Does RV Insurance Cover?

Just like with homeowner’s insurance, an RV insurance policy can be customized to suit your particular needs, however, in most cases, an RV policy will cover the general following areas. 

Damage Protection – If your RV is lost or damaged as a result of, accident, fire, theft, or natural disaster the insurance policy will kick in to pay for repairs or replacement. 

Liability Protection- If someone is hurt as a result of your RV, this type of protection will kick in to cover any medical bills or legal fees that could have resulted from the accident. 

Personal Belongings– If you use your RV as your residence, then you can customize an insurance policy to cover your personal belongings as well. 

If you would like to learn more about RV insurance, please contact us at Familia Insurance Agency, serving Kissimmee, FL. 

Do you own a motorcycle and need quality insurance coverage? We can help! Keep reading to learn top tips for purchasing motorcycle insurance from our Familia Insurance Agency team.

Don’t Depend on Florida’s Minimum Requirements

The minimum liability limits you can carry on a motorcycle insurance policy in Kissimmee, FL is $10,000 bodily injury per person; $20,000 bodily injury per accident; and $10,000 property damage. Bikers are also required to buy $10,000 of Medpay insurance, as PIP doesn’t apply the same way for motorcycles as it does  As you can tell, this would be very easy to exceed if you were involved in a serious accident that was deemed your fault. Thus, consider choosing limits that are higher.

Cover Damage for Your Own Bike

Liability insurance does not cover your bike or medical bills if you’re involved in an accident. That’s why it is important to carry comprehensive and collision coverages on your policy. Comprehensive helps pay for repairs in the event of a natural event, such as a storm, fire, or hitting a deer. It also covers certain vandalism issues. Collision pays to get your bike fixed after you’ve been in a collision accident. Neither are considered required unless you have a lienholder, so it is important to talk to a Familia Insurance Agency team member to discuss your options.

Tickets or Accidents Don’t Have to Be the End of Your Motorcycle Dreams

If you’ve put off getting motorcycle insurance because your driving record isn’t exactly perfect, don’t delay anymore. As independent insurance agents, we can help you find a policy that isn’t going to break your budget. Best of all, most people discover that the situation they’re in isn’t as big of a deal as they first thought.

Ready to purchase quality motorcycle insurance in Kissimmee, FL? Please contact us today to schedule a no-obligation coverage review appointment.

For anyone that loves warm water and spending time outside, living in the Kissimmee, FL area can be a great option. if you do live in this area of Florida, you should consider taking advantage of all the local lakes and other waterways by purchasing a boat. Along with buying a boat, you should also get a boat insurance policy as it offers you a variety of different benefits.

Ensures You are Covered if Accident Occurs

One benefit that comes when you have boat insurance is that you will be covered if you happen to cause an accident. Similar to when you drive a car, boat accidents can happen from time to time. If you are the one that caused the accident, it will be up to you to pay damages. With a boat insurance policy, you will receive coverage to protect against this risk.

Insurance Protects Assets

With boat insurance, you will also receive the coverage you need to protect your asset. Boat owners are at risk that their boats could be damaged in an accident, stolen, or vandalized. The cost to repair or replace these boats could be significant. Fortunately, you can get a boat insurance policy that will help you by repairing or replacing the boat. 

If you are going to get a boat in the Kissimmee, FL area, you need to get insurance for it as well. When you are shopping for your next policy, you should call the Familia Insurance Agency to discuss your needs. When you reach out to Familia Insurance Agency, you can receive personalized and professional support. This will help to ensure that you are able to select a policy that is right for you and gives the coverage that you need. 

Based in Kissimmee, FL, Familia Insurance Agency has served the Central Florida Community for over 10 years. We strive to offer our clients the insurance coverage that they need to enjoy a stress-free life. Providing excellent customer service is important to us.

Umbrella Insurance

Umbrella insurance provides extra coverage alongside your current policies so that you do not have to worry if a situation arises. Umbrella insurance has the versatility to assist you in multiple ways.

Umbrella Insurance Myths

As you research different umbrella insurance policies, be aware that there is some misinformation about umbrella insurance in the general public. Here is a look at some common umbrella insurance myths.

I Don’t Need It Because I Don’t Have Valuable Assets

Even if you aren’t wealthy, umbrella insurance can still assist you. Anything that you own has value, and as such, you must protect it. There are also multiple ways that you could be held liable for something, so it’s important to have umbrella coverage so that you can avoid excess stress. Umbrella exists primarily as a form of extra coverage when facing a serious liability issue.

Umbrella Insurance Policies Are Too Complicated

While it may take some time to align your umbrella insurance policy with the rest of your coverage, the process is not as extensive as it seems. Familia Insurance Agency will assist you through the process.

I Can Use Umbrella Insurance In Place Of Another Type Of Coverage

This is incorrect. Umbrella Insurance should not be used as stand-alone coverage. The policy works in combination alongside home and auto insurance policies.

Consult With Familia Insurance Agency

We would love to establish a long term relationship with you. Stop by our office in Kissimmee, FL today so we can help you!

Does your Kissimmee, FL business need commercial insurance? The question really comes down to liability. You’re not going to face much in the way of liability if you’re a one-person business designing websites in your home office. But once you start hiring staff, then you’re inviting a whole new level of risk into your business.

There are some industries with very little liability to consider, but these industries are few and far between. If you’re selling products, you’re inviting liability. If you’re hiring people, you’re inviting liability. If you have clients coming to visit you in person, you’re inviting liability.

Insurance is all about the damages that you can’t afford to cover on your own. You might not have anything more than a smartphone and a list of clients on your end, but if someone could feasibly be injured or suffer damages as a result of your business, then you need commercial insurance. It’s not just your own property and safety you need to worry about, it’s everyone you do business with.

You might need commercial insurance for other reasons, as well. For instance, a client or partner might not be willing to work with you if you’re not covered. Commercial insurance isn’t legally mandated, but it might be very hard to do business without it in some instances.

If you’re looking to get your business in Kissimmee, FL covered, call Familia Insurance Agency and see what they can do for you. No matter what line of work you’re in, no matter the size and scope of your business, you need to be realistic about whether or not commercial insurance has become a necessity. Familia Insurance Agency can help you to get covered whenever you’re ready.

Do you think that your landlord’s building insurance covers your belongings in the case of an unforeseen event? If you rent an apartment, townhouse or home and there’s a fire or break-in, your landlord is not responsible for your lost or damaged belongings. You can contact your Familia Insurance Agency representative to find out more about renter’s insurance in Kissimmee, FL. However, we provide some of the basic details below.

What Is Renter’s Insurance?

Renter’s insurance provides complete protection of your personal belongings if you rent your living space. This is important information for parents sending kids to college and young professionals moving into their first rental units.

Renter’s insurance covers your personal property damaged due to a covered event, such as fire, smoke, explosions, lightning, windstorms, hail, theft, vandalism, accidental water overflow and damage due to electrical current.

Other Advantages of Renter’s Insurance

Other coverage types available under renter’s insurance include:

• Liability protection covers legal and medical bills if someone is harmed in your home. Examples include a neighbor who’s bitten by your dog and a visitor who tripped on your wet floor and hurt themselves.  
• Additional living expense coverage pays for shelter and food expenses if you have to leave your home due to evacuation, fire or water damage.
• Covers items stolen from your car, minus the deductible.
• It may also pay for items stolen while you’re traveling

 Furniture, clothing, computers, cookware and stereo equipment are just some of the items your renter’s insurance covers in the case of a covered hazard.

Note that damage due to earthquakes and flooding are covered under separate policies.

Professional Perks

If you lost work-related items, such as teaching materials, your renter’s insurance will reimburse you under many policies.

Contact your representative at Familia Insurance Agency to make an appointment regarding your renter’s insurance options in Kissimmee, FL.