Three things you might not realize about commercial insurance

Investing in commercial insurance is important if you own a business in Kissimmee, FL. At Familia Insurance Agency, we provide insurance coverage to companies like yours.

You need to do your research to be fully informed about commercial insurance. The following are three things you might not realize about commercial insurance. 

Commercial insurance includes many types of coverage.

All commercial insurance policies are different since there are so many different types of commercial insurance. When you buy commercial insurance, you can choose to have liability, property, auto, errors & omissions, or workers’ compensation coverage included in your insurance policy. 

Before you buy a policy, you need to understand the different types of coverage that can be included in a commercial insurance policy. 

Commercial insurance may be required by law.

Some business owners don’t realize they must have commercial insurance. 

You might run into a lot of problems if you don’t have coverage when you’re required to carry commercial insurance. Be sure to read up on laws in your area and commercial insurance requirements if you’re a business owner in Florida. 

You have many options available regarding commercial insurance coverage.

When it comes to commercial insurance, there are always plenty of options available. Shop around to find the right insurance policy. 

Some insurance providers will offer better deals than others. That’s why you should get numerous quotes before purchasing a commercial insurance policy from a particular provider. 

We provide insurance policies to companies in Kissimmee, FL at Familia Insurance Agency. Contact us today to learn more about commercial insurance or get a quote on a commercial insurance policy. 

Can Renters Always Get Their Deposits Back?

Did you know roughly eight million people in Florida rent? The ratio of owners to renters is 66:34. One of the most common conversations between renters and landlords involves deposits. Fortunately, there are regulations in place that affect landlords and tenants. Here at the Familia Insurance Agency serving the Kissimmee, FL area, we want you to understand your rights as a tenant or landlord.

How Do Rental Deposits Work?

In Florida, a landlord has 15 days to return their full deposit amount after a tenant moves out. If the landlord wants to file a claim to reduce the deposit amount, they must inform the tenant in writing by certified mail within 30 days. The written notice must come as a notice of intention that details why the full deposit amount won’t be returned. It will be sent to the tenant’s last known address, so tenants should always leave a forwarding address when vacating the premises.

The tenant has only 15 days to object to the claim after getting the notice of intent in the mail. If the tenant does not respond, the landlord has 30 days after the notice of intent was initially mailed to return the remaining deposit balance.

Tips for Getting a Deposit Back

The easiest way to get the full deposit amount back is to follow all of the landlord’s requirements in the original rental agreement. If there are any holes in the wall, you’ll want to patch, repair, and paint them before moving out. It’s also helpful to steam-clean any carpets before moving out. Simply put, you want the premises to look as they did when you moved in. You can also contact the Familia Insurance Agency serving the Kissimmee, FL area to learn more about getting your full deposit back.

Do I Need Condo Insurance in Kissimmee, FL?

You may wonder if you need condo insurance if you own a condo in Kissimmee, FL. While it’s not legally required, condo insurance can provide additional protection and peace of mind beyond what’s covered by the property owner’s insurance.

What is Condo Insurance?

Condo insurance, also known as HOS insurance, is a type of insurance policy that covers specific aspects, such as your personal belongings, interior walls, and fixtures. It also provides liability coverage if someone is injured on the property.

Understanding the Master Policy

As a resident in a condo, you are automatically covered by the condo association’s master’s policy. However, note that you may not have all the coverage you need. For example, the master policy may only cover the building’s exterior and common areas, leaving you responsible for the rest of the property. In this case, having a condo insurance policy will provide you with the extra coverage you need to protect your personal belongings and financial assets.

Choosing Your Policy

When customizing a condo insurance policy, it’s essential to calculate the value of your personal belongings, the type of coverage you need, and your budget. The team at Familia Insurance Agency will help you understand the different coverage options available and find the policy that best meets your demands and financial situation.

Speak with an Agent

If you’re unsure whether you need condo insurance, the team at Familia Insurance Agency serving the Kissimmee, FL, area can help. We are experts in the insurance industry and can help you understand your coverage needs. In addition, we will assist you with comparing different insurance policies to find the right one. So give us a call to set up an appointment.

Does My Renters Insurance Cover Flooding in Kissimmee, FL?

If you’re a renter in Kissimmee, FL, chances are you’ve asked yourself this question at least once. Floods can cause catastrophic damage to your home and all of its contents, so it’s essential to know if your renter’s insurance will cover any flooding that may occur.

What is Covered?

Most standard renter’s insurance policies include coverage for water damage caused by an overflow from plumbing or appliance failure. You are most likely covered if your toilet overflows or your washing machine floods your apartment. Speak with a Familia Insurance Agency agent to determine the exact details of your policy and what is covered.

What Isn’t Covered?

Renter’s insurance does not cover floods caused by natural disasters like heavy rain or overflowing rivers. If the water damage occurs because of negligence on behalf of the landlord or tenant, it’s unlikely that the policy will cover it. It’s important to note that even if you have flood coverage through an outside company, it may not cover all the damage by a flood—especially if it was pre-existing damage caused by a previous flood or water leakage issue.

What Can I Do To Protect Myself?

When you move into a new rental unit, ask questions about its history with flooding and whether any measures are in place to prevent future flooding incidents. Familiarize yourself with your current renter’s insurance policy and ensure that any changes are reflected in your policy and your monthly premiums.

Keep these tips in mind as you review your renter’s insurance policy moving forward – knowledge is power! Do you want to learn more about protecting your home and belongings in Florida? We are here to help! Contact the experts at Familia Insurance Agency with questions about renter insurance.

Protect Your RV With the Right Insurance Coverage

If you’re an RVer in Kissimmee, FL, you know the importance of protecting your home on wheels. The right RV insurance can help give you peace of mind, whether on the road or parked for the season. Here’s what you need to know about RV insurance from Familia Insurance Agency.

Ordinary Auto Insurance vs. RV Insurance

There are a few key differences between ordinary auto insurance and RV insurance. For one, RV insurance often includes coverage for personal belongings inside the RV, whereas auto insurance typically does not. Additionally, RV insurance usually has higher liability limits than auto insurance since RVs can cause more damage in an accident. Finally, RV insurance often covers towing and other emergency expenses, while auto insurance typically does not.

The Benefits of RV Insurance

RV insurance is a type of insurance that provides coverage for Recreational Vehicles, such as motorhomes, travel trailers, and fifth-wheels. RV insurance typically covers physical damage and liability coverage. Bodily damage coverage protects your RV from fire, theft, and weather damage. Liability coverage protects you from being sued for damages if you cause an accident that injures someone or damages their property.

What Happens if You Don’t Have RV Insurance?

If you don’t have RV insurance, you may be held responsible for any damages or injuries resulting from an accident. You may also be required to pay for any repairs out of pocket. In some states, driving an RV without insurance is even illegal.

How to Choose the Right RV Insurance

If you’re looking for RV insurance in Kissimmee, FL, look no further than Familia Insurance Agency. We specialize in RV insurance and can help you find the right coverage for your needs. Please reach out to us today to get started.

Does Motorcycle Insurance Cover Theft?

Purchasing a motorcycle is an exciting experience. Typically, the decision to buy a motorcycle is one that takes time and thought before the buyer finally concludes that it will be something they want to work toward and ultimately enjoy. But imagine if you eventually made that purchase just for your new motorcycle to be stolen from outside your home or business. What would you do? And how can you ensure the replacement of your motorcycle if it is stolen?

As is customary with any sizable purchase, motorcycle insurance is the first thing you should be concerned about before making a motorcycle purchase. Your motorcycle is not only a means of transportation but an overall investment. Although the state of Florida does not require you to maintain insurance for your motorcycle, think of it as protecting your investment. Once you buy the appropriate insurance policy, the coverage provided will allow you to ensure that your motorcycle can be repaired in the event of an accident. However, you would need to add comprehensive motorcycle insurance to your policy covering theft. Always research and plan ahead so you can have your motorcycle replaced after a theft. 

Familia Insurance Agency in Kissimmee, FL will guide you through the process of finding the correct motorcycle insurance for your various needs. By contacting Familia, you will be able to receive coverage that will give you peace of mind and provide you with security and comfort. Contact Familia Insurance Agency in Kissimmee, FL today for a quote, and begin taking steps to safeguard your investment.

Four Reasons to Invest in Boat Insurance

Kissimmee in Florida is a great place to go boating. While boating is fun, it comes with its fair share of risks. You, therefore, want to go boating knowing that your prized investment is well protected. Even though boat accidents are not as often as auto accidents, it’s essential to protect your vessel in case of an unfortunate event. Better still is that boat insurance is tailored to meet your needs, just like auto insurance. Ready to purchase boat insurance? Here are some of the benefits of insurance from Familia Insurance Agency:

  • It protects your pricey investment: Boats don’t come cheap. And the thought of waking up one day to your boat being no more is scary. Talk of theft, vandalism, accidents, and fire is among the many things that can happen to your investment. Don’t allow yourself to have sleepless nights worrying about your boat, yet you can purchase insurance and enjoy your peace of mind.
  • Liability protection: If your boat injures another boat, swimmer, boater, or passenger, you are liable for bodily injuries or damages. You can also face legal charges, which could amount to thousands of dollars. The good news is that you are not personally liable for these expenses with boat insurance.
  • It could be required: Your boat is a considerable investment you probably financed. Your lender may require you to carry boat insurance throughout the year. Your lender has invested in the boat, so they need it protected.
  • Medical coverage: If you or your passengers sustain injuries during boating, medical coverage in your boat insurance can help pay for the medical bills.

Boat insurance in Kissimmee, FL

Boat insurance helps you relax, knowing it got you in case of an incident. If you are looking for boat insurance in Kissimmee, FL, contact us at Familia Insurance Agency for an affordable quote.

Is Umbrella Insurance Worth It?

When it comes to insurance, most people only think about their car and home insurance policies. However, another type of policy is becoming increasingly popular: umbrella insurance. Umbrella insurance provides extra coverage for incidents not covered by your other policies. So, is umbrella insurance worth it? In this blog post, we’ll discuss the pros and cons of umbrella insurance and help you decide if it is right for you!

The Advantages of Umbrella Insurance

Umbrella insurance is one of those things that you hope you never have to use but are glad to have if you ever need it. It provides an extra layer of protection against lawsuits or damages that exceed the limits of your homeowners or auto insurance. Umbrella insurance from Familia Insurance Agency in Kissimmee, FL can provide coverage for a variety of incidents, including:

  • Bodily injury
  • Property damage
  • Libel and slander
  • Personal injury

This policy can be beneficial if you are sued or held liable for an accident. Umbrella insurance can also provide peace of mind in knowing that you are fully protected.

The Disadvantages of Umbrella Insurance

While umbrella insurance has many advantages, there are also some disadvantages. One of the most significant disadvantages is the cost. Umbrella insurance policies can be expensive and may not be worth the price if you do not feel like you need the extra coverage.

Another disadvantage of umbrella insurance is that it only provides coverage for certain incidents. If you are sued for something not covered by your policy, you will still be responsible for paying the damages. This is why it is important to understand the limits of your policy and what type of protection it offers.


Umbrella insurance can be a great way to protect yourself from lawsuits and damages. However, it is crucial to understand the advantages and disadvantages of this type of policy before you purchase it. If you decide that umbrella insurance is right, shop for the best rates and coverage. Familia Insurance Agency in Kissimmee, FL can help you find the right policy for your needs. Give us a call today to get started.

How to Prepare for a Flood: Before, During, and After

Floods are one of the most destructive natural disasters, capable of wreaking havoc on homes, businesses, and infrastructure. Though they can occur with little warning, you can take steps to prepare for a flood. Knowing what to do before, during, and after a flood can help minimize the damage and keep yourself and your loved ones safe.

Before a flood:

Planning and preparation are vital to protecting yourself and your property from floods. The first step is to know your flood risk. Check the FEMA flood maps to see if your home is in a high-risk area. Next, create an emergency kit with supplies like non-perishable food, water, a first-aid kit, medications, flashlights, and batteries. It’s also important to plan how you will evacuate if necessary.

Last but not least, ensure you purchase flood insurance. This will help cover repairs and replacement costs if a flood damages your home. When purchasing insurance, ensure a policy covers the full value of your home and its contents.

During a flood:

If you are told to evacuate, do so immediately. Never try to drive through floodwaters. Turn around and go another way if you encounter water on the road. If caught in your car during a flash flood, get out and move to higher ground. If you are stranded, call for help.

Once you are in a safe place, continue to monitor local news reports for information on the flood. Avoid floodwaters if possible, as they can be contaminated with chemical waste or raw sewage. If you must come in contact with floodwaters, wear protective clothing and wash your hands afterward.

After a flood:

Once the floodwaters have receded, it’s time to assess the damage. Take pictures of any damage for your insurance claim. You’ll need to notify your insurance company and start the claims process.

Remember not to touch any electrical equipment that may have been exposed to floodwaters as it could be dangerous. Have a qualified electrician check it before using it. Finally, discard any food that has come into contact with floodwaters.

Get Flood Insurance in Kissimmee, FL

If you live in an area at risk for floods, knowing how to prepare is essential. Following the steps above can help minimize the damage and keep yourself and your loved ones safe. Familia Insurance Agency can help you get the flood insurance you need to protect your home and belongings. Give us a call today to learn more.


I Don’t Own Anything Valuable. Do I Still Need Condo Insurance?

If you don’t own anything of value, then a condo insurance policy probably isn’t worth it. However, if you own something of value, then a condo insurance policy may be a good idea. With a condo policy, you can protect your investment by purchasing additional insurance to protect your investment. 

While it’s unlikely that your condo complex would ever be targeted by a break-in, it’s still a good idea to protect yourself against any potential losses that may occur. Visit Familia Insurance Agency in Kissimmee, FL  for inquiries. 

What to Know About the Coverage

If you are buying a condominium, townhome, or other types of co-op, then yes, you will still need to have homeowners insurance on your new home. This is because your new home is a tangible asset like any other. 

You can start by asking your friends or family members if they have any recommendations for a good insurance broker. Unfortunately, there are some things that won’t come up in a policy, like a valuable painting hanging on the wall. 

While it’s a good idea to have your condo insurance policy in place, it’s also a good idea to shop around and make sure that you’re getting the best price. If you own your condo and have a policy in place, don’t fret if you don’t own anything of value. The important thing is to be covered. 

Similarly, if there was ever a claim made against your unit, you may want to know that you will be compensated for any damages.

Bottom Line 

While you may not own anything of great value, there are still many items that you may want to consider protecting. For example, if there was ever a fire in your condo, you may want to know that your belongings will be covered by insurance. 

If you are living in a building that has a mortgage on it, the mortgage lender will almost certainly require the building to have insurance. Familia Insurance Agency wants to serve you in Kissimmee, FL.