Insurance is a very complicated matter, and something like an umbrella policy that is not mandated by any laws can be even harder to understand. This type of policy is great for a wide range of uses, but when the wrong type of umbrella policy is taken out, it can get difficult. For those that live in the Kissimmee, FL area, the agents at Familia Insurance Agency can help you to understand umbrella policies fully.

So, what is an umbrella policy?

Basically, this is a policy that is going to be taken out to add extra coverage to already existing plans that you may have in place. This means that if you have a policy that has coverage for $10,000 and you want to raise the coverage to $20,000, you can take out an umbrella policy. This type of policy is something that not all people need, but something all people can take out if they choose to do so.

Now, just because anyone can take out this type of policy does not mean that you necessarily need to or that you would want to take out this type of policy. This is an extra policy that is helpful, but that is not entirely necessary for all people seeking insurance coverage.This policy can also benefit you in the event of a lawsuit or certain liability cases. An umbrella policy has multiple purposes which need to be looked into extensively to see if it will work for your situation.

For those that live in the Orlando or Kissimmee, FL area, speaking with an agent like those from Familia Insurance Agency can help you have all your questions answered. Don’t be left in the dark. Find out what an umbrella policy can do for you.

If you want to minimize water damage from a natural disaster, broken home appliance, or a ruptured pipe in your home in the Kissimmee, FL area, then you want to prepare a flood clean-up kit. Having a kit ready can help dry out your home faster and prevent mold, mildew, and other water damage from taking hold.  Here’s what you need to put together a quick clean-up flood kit. Most of the items are easily located, inexpensive, and you may have some around the house. 

• Start with a stiff-bristled, 24-inch push broom, with a squeegee attached if possible, to push water out of the area quickly.
• Use a sponge mop to sop up the water, and then use a string mop to disinfect the area to keep mold or mildew from getting a foothold.
• Two 5-gallon buckets so you have one for dirty water and one for clean water.  You can pick up used drywall mud buckets if you want to recycle.
• A large 5 ½ inch grouting sponge to spread disinfectant in those hard-to-reach places.
• Good old-fashion chlorine bleach is the best disinfectant for a flood cleanup. Use one cup to 5 gallons of water or 9 parts water to 1 part bleach will kill mold spores.
• Protect your hands with dishwashing gloves or thick rubber gloves.
• You can never have enough rags to help clean up and spread disinfectant in small areas.
• A box of heavy-duty 3-6 mil contractor trash bags to carry away the waste.

Familia Insurance Agency

At Familia Insurance Agency, we care about helping you protect your home investment. We provide insurance coverage for homes in the Kissimmee, FL area.  Contact a Familia independent agent today to discuss your home’s flood insurance options and keep your investment protected.

Most condo complexes come with master insurance plans that cover such common elements as your building structure, landscaping, recreational facilities, and more along with general liability coverage against accidents on common grounds. This coverage, however, may not extend to your unit and belongings. By acquiring a personal condo insurance policy from Familia Insurance Agency in Kissimmee, FL, you can protect your unit and interests.

As an individual condo owner who lives in Orlando, Saint Cloud, or even Kissimmee, here are a few ways in which condo insurance can be of benefit.

Protection against Theft and Vandalism

Condo insurance can provide coverage against theft of personal goods or vandalism of your unit. If someone breaks into your condo while you’re on vacation, your insurance can help pay for the replacement of stolen property or repair of damages sustained to your property.

Protection of Personal Goods

You can also obtain condo insurance coverage for your personal belongings to include furniture, electronics, clothing, jewelry, and others against damage or loss due to fire, flood, or other covered peril. Depending on your policy limits, your insurance could cover repair or replacement costs of expensive items that otherwise would be difficult to replace on your own.

Liability Protection

In the event of an accident in your condo, liability insurance will cover the cost of medical expenses for injuries sustained by guests on your property. If you often entertain or enjoy hosting family reunions or holiday parties, you can have greater peace of mind knowing you are protected against unforeseen events that could result in personal injury to others on your property.

By discussing condo insurance options with a representative from Familia Insurance Agency, you can get a better idea of what type of coverage would be best for your situation. An investment as valuable as your Orlando, Saint Cloud, or Kissimmee, FL condo deserves the best insurance protection possible to secure your interests for the future.  

Many Kissimmee, FL businesses rely on deliveries to make their business run. However, accidents can occur while your drivers are transporting your goods. Do you need specialized insurance for this problem? The answer is yes, and at Familia Insurance Agency you can get the kind of high-quality commercial car insurance you need to protect your business.

Commercial Car Insurance Is Crucial

Commercial car insurance is an important type of coverage that you need to purchase for any vehicle that is regularly used for company business. This is especially true for deliveries, as delivery vehicles are often on the road for most of the day. Deliveries can include transporting hazardous material, moving housekeeping equipment, taking equipment to a construction site, or even taking a pizza to a customer’s home.

The Types Of Delivery Insurance Available

There are many different types of delivery insurance available for your business. For example, commercial auto insurance helps to cover accidents caused by drivers when they are behind the wheel of your company-owned vehicle. It also pays for property damage and personal injury.

However, hired and non-owned auto insurance may be useful if your employees regularly use their own vehicles for deliveries. In this way, you can avoid getting stuck with a headache of a bill later if they do suffer from a serious accident.

Do Drivers Need Individual Delivery Insurance?

One question that may plague many business owners is whether or not their drivers should have delivery insurance. Non-owner coverage is useful here, as it can protect your employees as well as yourself. However, they may also be able to right-off using their vehicle for deliveries, an important consideration when choosing vehicle insurance.

That’s why delivery insurance is important for all Kissimmee, FL businesses, not just those that specialize in transporting goods. To learn more about this type of coverage, please contact us at Familia Insurance Agency today. We can sort through your choices and help you make an informed decision.