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.

Conclusion

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.

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.

 

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.

If you are a small business, you must ensure that every penny you spend is for the benefit of your business. And because you work under a limited budget, it’s easy to neglect certain crucial aspects of your business.

Whatever cost-cutting measures you want to take, don’t touch business insurance. Ignoring business insurance or buying inadequate coverage can make your hard-earned business go down the drain in minutes. So, if you want to build a business to withstand the test of time, consider commercial insurance from Familia Insurance Agency in Kissimmee, FL. As a result, commercial insurance will protect your business in the following ways:

• Employee protection: What’s your most valuable asset? You guessed it right; it’s your employees. Given that employees are the most crucial aspect of your business, doesn’t it make sense to protect them with insurance? Invest in commercial insurance to protect your business against illnesses and injuries in the workplace.
• Property protection: Commercial insurance protects your business assets against perils like fire, theft, vandalism, etc.
• Cyber attacks protection: Does your business transact online? And by this, I don’t mean you must be selling your services or products online. If you have access to the internet through emails, websites, and other platforms, you are at risk of cyberattacks. And since hacking can lead to data breaches, you should invest in commercial insurance to cushion you financially when you face cyber threats.
• Protection against liability claims: Numerous liabilities could strike your business. Your business is never far from liability claims from bodily injury, property damage, professional liability to advertising injury. In light of this, you must invest in liability insurance to protect your business.

Want to invest in commercial insurance in Kissimmee, FL? Please get in touch with Familia Insurance Agency for a quote.

Most people know that renters insurance is a good idea, but many are unsure what it covers. Renters insurance is actually a very broad policy that protects you against many different types of perils. Here are the most common perils covered by renters insurance.

Theft

Believe it or not, theft is one of the most common potential problems for renters. You might think you don’t have much worth stealing, but that doesn’t mean other people won’t try to take advantage of that. The good news is that renters insurance covers theft and will replace what you’ve lost—including your laptop, camera, and other valuables.

Fire Damage

Renters insurance covers fire damage, both from your stove or other appliances and from a fire in another apartment. You can also get coverage for any damage resulting from smoke and soot. However, remember that this coverage does not apply to intentional fires, whether you set them or someone else does.

Water Damage

Water damage is another pretty common problem for renters. This can happen if a pipe bursts, a sink overflows, or you’re just dealing with an old building that has problems with its plumbing. Either way, your renter’s insurance policy covers water damage repair and replacement.

Personal Liability

If someone else is injured on your apartment’s premises, you could be responsible for compensating them. That includes anyone who slips and falls or has their luggage stolen from the lobby. You can also be accountable for damage to the building itself if it results from something you did wrong. Fortunately, personal liability is usually covered by renters insurance policies, so you don’t have to worry about paying for someone else’s injury.

Need Insurance in Kissimmee, FL

Renters insurance is a good idea for most people. It protects you against many potential dangers that arise when renting, including theft, fire damage, water damage, and personal liability. For more information about renters insurance coverage in Kissimmee, FL call Familia Insurance Agency. We are committed to helping our clients find the right coverage for them, so give us a call today.

Kissimmee, FL has long been considered an ideal spot for growth opportunities, with the real estate sector recording increased demand for condominiums. As more people turn to condo residences for the convenience they provide, getting condo insurance will be vital to helping you enjoy your stay within the state. Familia Insurance Agency tackles some of the advantages that condo insurance offers.

Covers Loss of Use

If your condo gets destroyed due to a covered peril, condo insurance will ensure that your additional living expenses are covered until your condo is fixed. This allows you to get compensation for costs such as accommodation fees,  transport, and meal expenses.

Protects the Interior of Your Condo

Condo insurance is designed to keep the interior of your property safe from hazards, with the physical structure of your space taking priority. With this, you are assured that your walls and ceilings will be fixed when destroyed by fire, hail, or vandalism. Fixed structures such as sinks and bookcases are also covered, allowing you to get increased protection for valuable assets.

Offers Liability Protection

If you or your loved one causes bodily harm to your guests or damages their property, you are likely to get sued for the harm caused. Legal proceedings may end up costing more than you can afford, leaving you with significant damages and legal expenses. Condo insurance ensures that these costs are taken care of, acting as a safeguard for protecting your family and your financial assets.

Protecting Your Personal Belongings

Condo insurance will also come in handy in protecting your personal belongings. This allows you to keep your appliances, clothing, furniture, and electronics safe. If any of these get damaged, condo insurance will help you pay for the repairs or replacement of these items.

Whether you need to keep your Kissimmee, FL condo safe or need to protect your guests from harm, consider reaching out to Familia Insurance Agency today. We will help you get customized coverage for your condo.

When you are looking for a new community to move to, Kissimmee, FL is a great option. This part of Florida offers a lot of local amenities and professional opportunities. If you are looking for a new housing option in this part of Florida, renting can be a good idea. If you choose to rent here, it is important that you understand your insurance obligations. There are a few reasons why you should obtain renter’s insurance here.

Coverage is a Lease Obligation

An important reason that anyone in this area of Florida will want to have a renter’s insurance plan is that it is a lease obligation. When you sign a lease, there are going to be many provisions and requirements set for both parties. One requirement that you may have as a lessee is to carry a renter’s insurance plan throughout the lease term. In some situations, you will need to offer evidence of full coverage before you are able to move in. 

Get Top Protection for Assets

You also should get a renter’s insurance plan to get the best protection you can for your assets. As you move into a new rental property, you are going to quickly find you will also need to bring many personal items with you including clothing and electronics. If you are a victim of fire or theft, you could lose these items. A renter’s insurance plan will help protect you against this type of loss. 

As you are assessing your renter’s insurance options, you are going to quickly find that there are a lot of choices to make. Those that would like help with this in the Kissimmee, FL area should call the team with Familia Insurance Agency. The professionals with Familia Insurance Agency can help you build a plan that will give you ideal coverage. 

If you’ve just purchased an RV (recreational vehicle), one of the first things you need to do before you start traveling to amazing destinations is to obtain an RV insurance policy. According to the RV insurance agents at the Familia Insurance Agency in Kissimmee, FL, an RV insurance policy will cover any type of recreational vehicle, from a motor home, camping trailers, and 5th wheel trailers to conventional camping trailers and even truck-mounted ones.

In the state of Florida, it is required for all drivers of any type of motor vehicle, including a motorhome RV, to have at least a liability insurance policy in place to legally drive on public highways and streets.

Liability RV Insurance

When it comes to RV liability insurance coverage, it is designed to protect you in the event that you become involved in an accident that is deemed to be your fault. This type of coverage will help pay for any property damage or injuries that are caused by the accident. You may also want to consider getting coverage for underinsured motorists or uninsured motorists. This will help protect the investment you have made in your RV if you are hit by a driver that does not have insurance or does not have enough to cover the damages to your RV or injuries to you or your passengers.

Comprehensive Coverage

Comprehensive insurance coverage is very important for your RV since it will help you repair it or replace it if it is stolen or damaged from vandalism, a fire, or a natural disaster. If you obtained the money to purchase your RV from a lender, that lender will more than likely require that you have comprehensive RV insurance in place to protect the investment they have made.

Collision Coverage

Collision insurance will assist you in paying for any property damage that occurs if you collide with another vehicle or a stationary object.

Get Your Policy Started

Two obtain a quote and to get your RV insurance policy started, contact the trusted and knowledgeable insurance agents at Familia Insurance Agency in Kissimmee, FL today!

Florida is the ideal place to own a motorcycle for many reasons — beautiful weather nearly all year round and safe roads to enjoy with gorgeous places to stop all along the coast. To drive a motor vehicle in Florida, you will need proper insurance coverage and that’s where Familia Insurance Agency can help.

Motorcycle Insurance in Florida

Motorcycle owners in the Kissimmee, FL area should take care to ensure they have the proper amount of coverage for both themselves, any passengers, and their bikes. 

In the event of an accident, you’ll want to have the peace of mind that your insurance plan has you covered. Insurance often covers medical care, if any damage occurs to the motorcycle, as well as liability insurance to protect you financially if you are at fault and another person is injured or their vehicle is damaged.

There are other coverage options available for motorcycle drivers, like uninsured motorist (UM) coverage that protects you in case you’re hit by another driver who is uninsured. While you may be the safest driver on the road, you simply can not control the actions of other drivers. The best thing you can do to protect yourself and your bike is to maintain a quality insurance plan with coverage that makes you feel comfortable on the road. 

If you’re a motorcycle owner and in need of a high-quality insurance plan, look no further than Familia Insurance Agency in Kissimmee, FL. Our licensed agents will assist you with finding the policy and coverage that makes you feel comfortable on the road, ensures your bike is covered from damage in the event of an accident and saves you money along the way. 

Boat insurance is a common consideration among Floridians. If you own a boat in Kissimmee, FL, you may have already thought about the state’s insurance requirements. Familia Insurance Agency knows that insurance can be a tricky subject for boaters.

Is boating insurance required? Should you have a policy even if it isn’t? If you are interested in knowing the ins and outs of Florida boat insurance, here’s what you need to know.

Florida Does Not Require Boat Insurance

The first thing you need to know is that Florida is one of many states that do not require boat insurance. While the state may not have this requirement in place, you may still be left wondering if it is acceptable to skip boating coverage. In truth, it may be a risky move to own a boat without having an insurance policy in place to protect it.

Homeowners Insurance Is Not Enough

One reason why you should consider boat insurance is because homeowners insurance is not likely to cover damage to your boat or any medical bills that stem from a boating injury. On the other hand, a policy that caters to boat coverage provides assistance for damage caused by collisions, bodily harm, stolen equipment, water damage, and more.

Make Sure Your Boat Has the Protection It Needs

While boating insurance is not a requirement in your state, you are smart to cover your boat with its own coverage. If you live in Kissimmee, FL, check out Familia Insurance Agency to learn more about your boat insurance options so that you know what kind of protection is available. You can make sure that your boat and any damage it is responsible for are covered.