Homeowner’s Insurance covers your house. As your insurance agent for your Florida home, we can get you discounts for certain types of roofs and how they are nailed down, and for other hurricane, theft or fire protections you may have. There are many other things that your homeowner’s policy can cover as well, if you ask, such as: golf carts, home business, some jewelry, and kids at college. There is a lot to know and learn. Allow us to be the insurance agency that gives you Peace of Mind that you are properly covered and received all available discounts.
If you live in a condominium or a town house, we have a policy for you too. We will let you know what your policy will cover and what your association’s policy will cover in the event of a covered loss. If you are a renter, you still want to have an insurance policy to protect your property. A recent poll showed that the majority of people over-estimate the cost of home insurance. Let us give you an affordable quote with the correct coverage and company.
In addition to protecting your property, your home, condo or renter’s policy also provides Liability coverage to protect you in case someone is injured in your home due to your negligence.
Automobile Insurance covers your car and you in many ways. What you need depends on what you want to protect. You can get on the road with PIP and PD. This means that you can buy $10,000 of personal injury protection and $10,000 of property damage coverage and you are legal to drive from an insurance point of view. But what if you have this low coverage and you cause a crash with someone else who carries these low limits and total their car and send them to the hospital? Say goodbye to your bank account, your second home and other assets. What if you get hit by an uninsured driver? Did you know you can purchase coverage for this, but it is not necessarily included with an auto policy? So when you see those ads about 15 minutes saving 15%, you need to understand that one way to save 15% is to simply eliminate some coverage. And you may never even notice it…until it is too late. Mack Insurance Group is an independent insurance agency that represents many auto insurance companies. We will quote you all of them with the same coverage so that you can make a comparative, intelligent decision.
Flood Insurance is another policy that is often misunderstood. Rising water is excluded under your normal home insurance policy. That is why you need to purchase a flood insurance policy. And just because they reclassified your area to be not in a flood zone, it doesn’t mean you are safe. Floods happen wherever there is an abundance of rain. The rain clouds don’t only target flood zones! Flood insurance is a relatively low cost policy to give you Peace of Mind, especially when a storm is approaching. The Agents in our office will be happy to thoroughly explain your coverage to you.
Do you know what an Umbrella is? No, not the one we use to stay dry during a rain storm, but the one that adds another layer of liability protection. Many home policies come with $300,000 of liability protection and many auto policies are only $250,000. In our litigious society, this isn’t much protection anymore. For a couple of hundred dollars, you can add $1,000,000 of liability protection to your existing policies. We think you would sleep better knowing you have added protection when your teenager gets behind the wheel of your car. That is what Peace of Mind is all about.