Other Florida Insurance Coverage Options
If you have unique insurance needs that aren't covered by standard automobile or home insurance policies, you may need specialized insurance. Some of the policies available to insurance buyers in Central Florida are detailed below.
An umbrella insurance policy is a policy that provides extra liability coverage. The policy pays benefits when a liability claim exceeds your other policies' limits or isn't covered by other types of insurance. Umbrella insurance policies may also cover legal fees related to defending yourself during liability-related court cases. These policies are appropriate for anyone who may face a liability claim, but they are essential for insurance buyers who own expensive assets that may be vulnerable to legal settlements.
RV insurance is a specialized insurance policy that protects your recreational vehicle in the event of an accident, damage or threat. RV policies may cover towing and labor costs, emergency first aid costs, legal defense expenses, accidents with uninsured or underinsured motorists, medical payments, collisions and other damage and/or liability claims. Various coverage levels are available, depending on your specific needs.
Boat insurance, which may also be called watercraft insurance, protects your boat from various losses and claims. Depending on the policy you choose, coverage may include bodily injury, property damage liability, accidents involving uninsured boaters, medical payments, wreckage removal, fuel spill liability, roadside assistance, on-water towing, personal effects replacement and/or collisions. Comprehensive coverage may also be available.
Although you may be able to add your toys to your existing policies, a dedicated toy insurance policy provides more extensive coverage. Toy insurance policies typically cover recreational vehicles that don't have specific, dedicated policies, such as snowmobiles, sandrails, dune buggies, powerboats, motorcycles and even certain sports cars. If your vehicle becomes damaged, causes damage to another person's property, causes an injury or is stolen, your toy insurance policy may reimburse your expenses.
Regardless of the type of specialized insurance you need, considering all of your options carefully is very important. Not all policies provide the same amount of coverage, and prices may differ as well. To choose the policy that is best for your needs, contact an independent agency like the Affordable Insurance Store. Only an independent agency will be able to provide you with the individualized attention you need to make the right choices. Independent agencies are not as impersonal, and they are always on hand to answer any questions you may have about your policy and coverage options.