Expanded acceptability for Travel Trailers
Expanded acceptability for Travel Trailers* We’re excited to announce that beginning June 24, 2015 we will begin accepting cargo, utility […]READ MORE -
With more than 21 years of experience, you can trust Advance Age Insurance to meet your commercial truck insurance needs. We offer customized insurance policies, flexible payment options, 24/7 claims service and discounts for qualified drivers.
Commercial Vehicles We Insure
Auto insurance companies cover you and your passengers in the event of an accident. But it is up to you to decide the level of cover you will get. Will the damages to your property be covered by the company? Will all the passengers be covered or only your family? What if your daughter was driving your car? What questions should you ask your auto insurance company when it comes to auto insurance? This article help you choose between the various insurance policies.
Types of auto insurance
Liability insurance, or third party insurance.
This is general the lowest form of insurance offered by an auto insurance company. This is the basic insurance, if you are involved in an accident, and it is proven to be your fault, the auto insurance company will pay damages to the other party. The cover offered by the auto insurance company is usually set beforehand. These are the maximum amount the auto insurance company will pay in case of accident. For example the agent will agree on a $10000 coverage per person, (bodily injury) and/or $40000 coverage in bodily injury and/or $10000 in property damage per accident. You need to confirm with your auto insurance company what they will cover and what are the limits. >You might be offered a very low premium by some auto insurance company only to realize that your cover is minimal and unrealistic.
Collision and comprehensive coverage, comprehensive insurance and full comprehensive insurance
An auto insurance company will also offer you a comprehensive insurance, as the name indicates, you will be comprehensively covered. In simple terms it means that if you are responsible for a collision the insurance company will pay for the repair of the vehicle.
In today’s economy, many homeowners are juggling higher bills on less earnings — facing tightened family budgets in the wake of rising costs, credit limits or even job loss. Yet there’s no need to struggle with the cost of home insurance. Despite industry increases, homeowners may be able to reduce their insurance rates by as much as 30 percent.
Nevertheless, many homeowners aren’t using insurance discounts to lower rates — even those who apply discounts may qualify for more savings than they’re getting. Lowered rates are still possible, even in today’s economy.
Consider the findings reported by independent insurance agent association, Trusted Choice, in a 2009 national survey:
“53 million household respondents ‘admitted they are probably not taking advantage of all homeowners insurance discounts or said that they simply didn’t know’ about policyholder discounts they likely qualify for.”
The survey also found that the largest percentage of respondents, about 26%, estimated they save 6-10% on their insurance premiums by using discounts. In fact, many insurance consumers could be saving significantly more-as much as 30%, according to independent insurance agencies, which often shop on behalf of consumers and help them find discounts and compare rates.
Homeowners are usually aware of the more common discounts — such as a multiple policy discount to insure both home and auto under one carrier. But there are other discounts and savings they miss.
Shopping for an appropriate Florida health insurance can sometimes be overwhelming. If your employer does not sponsor any health insurance policy, then it is better to find out an ideal policy that suits you the best.
Health insurance companies agree to pay health insurance coverage for the insured if the insured becomes sick due to covered causes, or due to accidents. Most Florida health insurance companies offer various health insurance packages including individual health insurance, group health insurance, large group health insurance, custom designed large group employee benefits plans, health savings accounts for individuals, life insurance, small group health insurance (including HSA, health savings accounts and HRA, health reimbursement accounts), Medicare Part D Prescription Drug Plans, Medicare supplement plans, annuities, long term care, international health, major medical, and life insurance.
Even though most of the health insurance providers offer the same insurance schemes, before selecting any Florida health insurance company you need to be well aware of the various health plans available in the market. Indemnity Plans and Managed Care Plans are the two popular heath insurance plans offered by these companies. It is advisable to do a comparative study before zeroing in any of these plans.
Nowadays most Florida health insurance companies offer their services online. This helps the customers to check a Florida health insurance company’s website to know their plans and services. Also, all these health insurance providers offer free online quotes which help the customers to compare the rates of various insurance packages. The premium amount of these packages varies with the Florida health insurance company you selected. Study the pros and cons of all the insurance plans and understand them before deciding on any insurance policy. Also, you need to be familiar with the insurance terms such as co-payments, premiums, deductibles, and coinsurance.
Florida general liability insurance is the best way to cover a business in case of damage or injury, resulting from an accident caused by the owner or an employee. This general coverage is extremely affordable especially when you consider the cost of covering the damages yourself. Whether you own a restaurant in Miami, FL, or a fishing charter in Tampa, FL, a general policy will cover you for almost any risk. Basic Florida general liability insurance covers property damage, personal injury and litigation costs up to a specific limit. You have the option of increasing what is covered in the general policy by adding other clauses for specific risks associated with your business. If you feel the limits are not enough to pay for any potential costs, you may want to add an umbrella policy. This will pick up whatever is not covered by the commercial liability insurance. From small business owners to large corporations, any Florida business should consider covering their assets with Florida general liability insurance.
Types of Policies
There are many different policies available for Florida general liability insurance. One of the more popular ones in Florida is the protection and indemnity clause for watercraft. This type is perfect for anyone who owns or leases a boat and uses it for business purposes. Marine and diving contractors, tug boats, yachts, or charter boats may use this insurance to cover them for damages or injury that occurs while operating the vessel.
Watercraft liability insurance covers anything from damage to piers or docks, to wreck removal. This may include cargo damage, injury to crew or passengers, and collisions with other boats. The cost of this coverage depends on several items, the condition, age, and size of the boat, business operation, number of crew and passengers, navigation limits, and claims history. If you have ever been in a boating accident, you know how costly the damages can be. By purchasing a Florida general liability insurance policy that specifically covers the watercraft industry, you can rest assured your company is safe in case of damage or injury. Florida also has many riding stables and equine industries, especially up in the panhandle. These companies can benefit from an equine liability clause. This is ideal for anyone who owns a horse related business such as arenas and stadiums, boarding or breeding, training, carriage and wagon rides or riding instruction. The coverage includes property damage or injury occurring on the owner’s property or at another location caused during the course of business. Equine policies such as this do not cover a boarder’s horse or any tack that is left in your care. Read your policy carefully to understand the limits.
One of Florida’s main industries is tourism. If you own a Florida hotel, restaurant, or club that serves alcohol, you may want to consider adding a liquor liability clause. These policies are designed to protect businesses who sell alcoholic beverages. You can add this to any Florida general liability insurance to increase the coverage in case of an alcohol related accident. You may also want to add an event policy for special events such as street fairs or concerts. These policies cover the event only and are very affordable.
Motor Vehicle Dealer Bond / MVD Bond has many different names. It can also be called a DMV Bond, Auto Dealer Bond, Dealer Bond, and Used Car Dealer Bond. The MVD Surety Bond is needed in order to obtain your dealer license to sell cars. A MVD bond is one of the most common surety bonds. Each State has their own MVD Bond Form as well as a different Surety Bond amount. Certain states also have different expiration dates as well as effective dates.
To find out more give us a call today or write to us about your needs and we will get back to you as soon as possible.
Did you know that just because you don’t live along a river or near the coast, you could still be at risk for a flash flood? In fact, about 25 percent of all flood insurance claims come from areas that are not considered high risk, according to Floodsmart.gov the official site of the National Flood Insurance Program (NFIP). With this statistic in mind, you should consider adding flood insurance to your homeowner’s policy since a standard policy does not include this important coverage.
The average waiting period for a flood insurance policy to go into effect is 30 days, so consider adding this coverage before spring downpours create hazardous conditions around your home. When deciding the type of flood insurance coverage to purchase, the NFIP suggests you purchase Personal Property Flood Insurance in addition to Building Property Flood Insurance to ensure the items within your home are also covered.
In the unfortunate event that you need to file a claim, your flood insurance policy would cover the Actual Cash Value (ACV), otherwise known as the replacement value, of the damaged items or building, rather than providing you with the total value of the policy. It is important to note that flood insurance will not pay more than the policy limit in the event of a loss, and does not cover damage done from sewer or drain backup and sump pump overflows.
The rate for flood insurance coverage varies according to your location. The country is divided into flood zone risk areas with the government’s Flood Hazard Boundary Map. When the boundary map is collaborated with the government’s Flood Insurance Rate Map, an appropriate premium is set for different areas.
Advance Age insurance encourages everyone to purchase this important coverage to avoid expensive losses. If you would like more information about protecting your home from flooding, please contact your independent insurance agent at 407-862-9929 or request a quote online.
RV insurance quotes are offered 24/7, online or by phone. With so many options to choose from, we provide you with information to help you choose the best coverage for your RV.
Keep in mind that RV insurance covers several kinds of vehicles, such as motor homes — including Classes A, B, and C; motor coaches; and camper vans — as well as travel trailers, including campers, pop-ups, fifth wheels, and toy haulers. So if you’re searching for motor home insurance, travel trailers, camper insurance, camper van insurance, then an RV insurance policy is what you need.
Coverage that’s specific to your home
Manufactured home insurance offers protection specifically for homes that are factory built. Protect your home, family and belongings, easily—and affordable.
With so many boat insurance options, we provide you with information to help you choose the best coverage for your boat or personal watercraft.
Boat insurance covers many kinds of boats, so even if you’re looking for specific coverage—like personal watercraft insurance, jet boat insurance, sailboat insurance, fishing boat insurance, or house boat insurance—a boat insurance policy is what you need.
If you’re looking for a motorcycle insurance rate tailored just for your bike, check out the different types of motorcycles and off-road vehicles we insure: