Should Your Home Insurance Change This Hurricane Season?

It may be a good idea to review and possibly upgrade your homeowners insurance as hurricane season blows in this year. Although Kissimmee, FL is inland, it is still on a peninsula and is occasionally vulnerable to storm paths. Familia Insurance Agency wants our clients to know that their home is safe all year long.

What You Should know About Home Insurance and Hurricanes

  • Many different types of damage are caused by hurricanes. From flooding, wind, and even occasional hail. There is not a broad coverage that just protects the home for any event. Make sure your homeowners insurance covers the incidents that are likely or possible to occur in your area.
  • Hurricane damage cause by water, is considered flood damage and is covered under the federally managed National Flood Insurance Program. Make sure that you indeed have Flood Insurance before hurricane season rolls around.
  • Fast action is vital to save your home after water damage from a hurricane. Even if you are handy and feel like you can fix damage to your home after a disaster, it is still not worth the risk because water damage spreads fast and should be treated like an emergency to prevent rot and mold.
  • Insurance means that even after a frightening disaster professionals can come in and restore your home and lifestyle back to normal so your family does not have to feel displaced or afraid.
  • Various home insurance policies will not cover the valuables within the home such as jewelry and electronics, consider this when purchasing your policy.

Contact us at Familia Insurance Agency if you would like to review your home insurance in and around Orlando, Saint Cloud, and Kissimmee, FL before disaster heads your way. If you have any questions or concerns, please reach out to one of our agents.

Are Your Delivery Vehicles Properly Insured?

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.

How Does Your Choice Of Car Affect Your Insurance In Florida?

You remember Miami Vice, right? What’s the point of living in Kissimmee, FL if you’re not going to drive a super cool sports car?

Well, sports cars tend to be very expensive, especially if you’re talking about the custom Italian rides that Don Johnson used to cruise around Miami with. Familia Insurance Agency can help you to get a fair deal no matter what you’re driving, but it’s always worth considering all the available discounts and rates before settling on a new vehicle. Here’s what you need to know:

  • Safer = Cheaper- Remember, this isn’t only a matter of real safety, but perceived safety, as well. No matter how safe a driver you may be, a Porsche has a reputation as a car for risk-seekers, so it’s going to be a little more expensive to cover.
  • Trucks and SUVs- These vehicles are among the cheapest autos to insure. The heavy, large build offers a lot more protection and can withstand a lot more damage without the driver needing to file for a whole new auto.
  • If your car doesn’t include all of the best safety features, it may be worth crunching the numbers to find out whether having them installed would outweigh the additional costs for insuring a less-safe car.
  • It goes without saying that the more expensive your car, the more it’s going to cost to insure. When your car’s value starts to inch towards six figures, it may be worth looking into specialty insurers. Hybrids are an exception. They’re pricier than a standard compact or truck but tend to cost less to insure than a comparably priced conventional fuel auto.

For more questions about your auto insurance, please contact the agents at Familia Insurance Agency in Kissimmee, FL. We can help you find the best insurance possible for your automotive needs.

Spring Home Maintenance Tips for Your Roof

It is recommended that you have your roof inspected in the fall and spring. This helps to ensure your roof is in great condition, protecting the interior of your home from water damage. If you fail to properly maintain the roof, your home insurance company may be legally allowed to deny any claims you file as a result of your poorly-maintained roof. Familia Insurance Agency in Kissimmee, FL has a few tips on when your home may need maintenance:

The Roof

Your roof needs to be examined to look for signs of damage. This may include cracked or worn shingles, tiles, or missing shingles or tiles. The damaged and missing tiles or shingles should be replaced. An inspection will also let you know when the roof is nearing the end of its lifespan and may need to be replaced.

The Chimney

A chimney is something that should be inspected and maintained when your roof is. If there are cracks in a brick chimney or the bricks are crumbling, brickwork needs to be done to solve the problem. Water can enter through these cracks causing water damage throughout your chimney system.

The Flashing

The last item on your roof that needs to be inspected in the spring is your flashing. Flashing is a metal strip that is placed between a gap and your roofing material. It helps to keep water from entering small gaps. If the flashing is rusted or bent, it may not keep water out which allows it to penetrate your roof. Replace damaged flashing as needed to protect your home from water damage.

If you have questions about your existing home insurance policy or are shopping for a new one, give Familia Insurance Agency, serving the greater Kissimmee, FL area, a call today. Our agents would love to help you with all of your insurance needs. Come by our office or use our online rating tool to get a quote for your home insurance needs.

Spring Home Maintenance Tips for Your Roof

It is recommended that you have your roof inspected in the fall and spring. This helps to ensure your roof is in great condition, protecting the interior of your home from water damage. If you fail to properly maintain the roof, your home insurance company may be legally allowed to deny any claims you file as a result of your poorly-maintained roof failing. Familia Insurance Agency in Kissimmee, FL has a few tips on when your roof  may need maintenance:

The Roof

Your roof needs to be examined to look for signs of damage. This may include cracked or worn shingles, tiles, or missing shingles or tiles. The damaged or missing tiles or shingles should be replaced. An inspection will also let you know when the roof is nearing the end of its lifespan and may need to be replaced.

The Chimney

A chimney is something that should be inspected and maintained when your roof is. If there are cracks in a brick chimney or the bricks are crumbling, brickwork needs to be done to solve the problem. Water can enter through these cracks, causing water damage throughout your chimney system.

The Flashing

The last item on your roof that needs to be inspected in the spring is your flashing. Flashing is a metal strip that is placed between a gap and your roofing material. It helps to keep water from entering small gaps. If the flashing is rusted or bent, it may not keep water out which allows water to penetrate your roof. Replace damaged flashing as needed to protect your home from water damage.

If you have questions about your existing home insurance policy or are shopping for a new one, Give Familia Insurance Agency, serving the greater Kissimmee, FL area, a call today. Our agents would love to help you with all of your insurance needs.

How Driving Can Affect Your Insurance Costs

There is more at play regarding your auto insurance costs than just the kind of vehicle you drive. Your driving habits play a big part in your auto insurance costs. You can either lower or raise the cost of insurance based on how you drive. While it may not alter costs overnight, you can help lower your insurance premiums a little bit at a time by improving auto habits. At Familia Insurance Agency, we want to help you save money while living in Kissimmee, FL or anywhere else in the state. 

No Accidents

The longer you go without an accident, the more money you can save. Auto companies often reduce your premiums for every period you go without an accident. While some accidents are not your fault and there’s nothing you can do, by practicing defensive driving you should be able to avoid most other accidents. 

Monitor Your Driving

You’ve probably seen commercials where insurance companies plug a little device into the vehicle’s computer system or set it on the dash. The device monitors your driving, how fast you drive in a set speed limit, the times you drive, and so on. If you drive well with this device in place you may be able to drop your insurance costs. 

Driving Tickets

When you accumulate points on your license, it affects your insurance costs. These typically stem from aggressive driving, drunk driving, and other illegal activities. Avoid these kinds of situations and you’ll help prevent your auto insurance from increasing. 

While it may take some time for your auto insurance costs to dive, if you improve your driving habits you’ll likely see a nice decline eventually on your premium costs. At Familia Insurance Agency, we can help you with this, whether you live in Kissimmee, FL or the surrounding area. 

How Driving Can Affect Your Insurance Costs

There is more at play regarding your auto insurance costs than just the kind of vehicle you drive. Your driving habits play a big part in your auto insurance costs. You can either lower or raise the cost of insurance based on how you drive. While it may not alter costs overnight, you can help lower your insurance premiums a little bit at a time by improving auto habits. At Familia Insurance Agency, we want to help you save money while living in Kissimmee, FL or anywhere else in the state. 

No Accidents

The longer you go without an accident, the more money you can save. Auto companies often reduce your premiums for every period you go without an accident. While some accidents are not your fault and there’s nothing you can do, by practicing defensive driving you should be able to avoid most other accidents. 

Monitor Your Driving

You’ve probably seen commercials where insurance companies plug a little device into the vehicle’s computer system or set it on the dash. The device monitors your driving, how fast you drive in a set speed limit, the times you drive, and so on. If you drive well with this device in place you may be able to drop your insurance costs. 

Driving Tickets

When you accumulate points on your license, it affects your insurance costs. These typically stem from aggressive driving, drunk driving, and other illegal activities. Avoid these kinds of situations and you’ll help prevent your auto insurance from increasing. 

While it may take some time for your auto insurance costs to drive, if you improve your driving habits, you’ll likely see a nice decline eventually on your premium costs. At Familia Insurance Agency, we can help you with this, whether you live in Kissimmee, FL or the surrounding area. 

Why home insurance in Kissimmee, FL could save your finances

When you are a homeowner, one of the first things on your mind is saving money. Not only so that you can put money away for the future, but also so that you can have a safety net in the present. One approach – one that is not advisable at all – is to cut corners on areas such as home insurance. While this might seem like a good idea initially, Kissimmee, FL residents who cut corners on that could experience first-hand why it is a bad idea.

No matter where you are in the United States, you always benefit from home insurance. Even if you never need to use it, it is ultimately a weight lifted off of your shoulders, knowing that if damage befalls your home that is covered by your insurance, you won’t end up having to pay out of pocket the money that you thought you had saved up for retirement or what have you by skipping out on your home insurance. A lack of home owner’s insurance is, even more, a problem for homeowners in Kissimmee FL and other cities in the Florida area; after all, residents are no strangers to hurricane season, where overnight, the home that you have owned for years may just completely disappear into rubble. And if you do not have home insurance, you may be left high and dry on getting a home that can reasonably compare to the one you once had.

Home insurance is one of the most important insurances that a homeowner can have, so don’t get caught without it. Contact us at Familia Insurance Agency, and we guide you through all of the hurdles and get you the insurance plan that works right for you and yours.

How are Home Insurance Premiums Determined?

Home insurance is something that every homeowner needs even if they have paid for their home in full and are not required to hold a policy. Home insurance can make a huge difference in the recovery process after your home is damaged or destroyed and for those in the Kissimmee, FL area, the agents with Familia Insurance Agency can help you find the coverage that is right for you.

Home insurance does have a monthly or yearly premium depending on how you want to approach the payment process. Your premiums are determined by a few different factors but the main factor is going to be your actual coverage. To determine how much coverage you need, your insurance agent will take rebuild cost of your home, materials that make up your home, and the overall age of your home. These are all going to factor into the cost of your home and the value that will help calculate coverage.

The next thing that an agent will look at is fire protection in your area, how far from your home is a fire department or a fire hydrant, this will help determine how quickly help could get to you in the event of a fire. Still another factor taken into account is how many and what types of pets you have, the claims history of your area, your personal claims history, and your history with the insurance company.

Having a higher deductible can help lower your premium and so can improving your credit score, security devices in your home, bundled policies and more. Your home insurance is important and knowing how premiums are calculated can help you understand a bit more. The agents with Familia Insurance Agency in the Kissimmee, FL area can help you find your coverage.  

Holiday Lighting Safety Tips

Holiday season is upon us in Kissimmee, FL. For many people, this means time to pull out the holiday decorations and lights.  Homes are transformed into majestic displays of holiday spirit.  Unfortunately, some homes do not survive the holiday season. In fact, the National Fire Protection Association states that 860 home fires are caused by holiday decorations every year. Protect your home and your family by following these safety tips when putting up holiday lighting.

Tip #1:  Use Caution When Buying Electrical Decorations

Be careful where you buy lights and decorations. Purchase electrical decorations from reputable stores and vendors. Also, make sure they have a seal of approval from a nationally recognized testing lab such as CSA, Intertek, or UL. 

Tip #2:  Inspect All Equipment Before Use

Before you begin hanging lights and decorations, make sure extension cords are marked for proper use. Check for any damage to lights, cords and electrical decorations. Do not use electrical decorations that have damaged cords or wires. 

Tip #3:  Do Not Overload Electrical Outlets

Plugging too many lights and decorations into one outlet can cause it to overheat and catch fire. Outdoor lighting needs to be plugged into outlets that are protected by Ground Fault Circuit Interrupters (GFCIs). And avoid stringing more than three sets of incandescent lights together.

Tip #4:  Be Mindful of Where Lights and Other Electrical Decorations are Placed

If there are power lines nearby, make sure that outdoor lights and decorations are at least 10 feet away from them. Inside the home, electrical decorations need to be kept at least three feet away from an open flame or any heating equipment.

Protect your Kissimmee, FL home this holiday season. By following these simple safety tips, you can avoid unexpected disasters caused by an electrical fire.