Insurance

Are Your Delivery Vehicles Properly Insured?

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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.

Why home insurance in Kissimmee, FL could save your finances

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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.

Protect Your Home While on Vacation

Posted on by agentinsure

The Familia Insurance Agency in Kissimmee, FL understands your home insurance needs. They are able to help you secure the right kind of coverage in case an unexpected event occurs while you are away on vacation. So, before you leave for your trip, you should do everything you can to prevent dangers that could happen inside your home.

Normalcy is the Key

Make sure that things appear as normal as possible. Thieves are less likely to try and burglarize your home if they believe people are inside.

  • Set up night lighting. Get a timer for your lights. You could also have a trusted friend stay at your place for a few days to make your home look occupied.
  • Stop newspaper and mail delivery. When papers pile up on the front porch, people know you are away. This is the first thing thieves look for. Have the deliveries stopped several days before you leave.
  • Park the car inside. Seeing a car parked for several days without moving lets everyone know that you are not home. You could also have a neighbor pull their vehicle in your driveway each night to show your house has constant activity.

Find the Shut-off Valve

It’s unnecessary to leave your TV or toaster oven plugged in when you’re leaving for an extended period. It could be a costly mistake if your appliances breakdown and cause a fire or flood.

  • Unplug your items. Unplug small appliances such as toaster ovens, coffee makers, and microwaves. Electrical items like computers, televisions, and game systems should also be unplugged.
  • Shut off the water valves. The valve to the dishwasher and clothes washer should be shut off before you go on vacation. You don’t want to come back home to a minor flood because you left a water valve open and a pipe burst.

In Kissimmee, FL, the independent insurance agents at Familia Insurance Agency can help you organize a policy that will protect your home from mishaps while you’re at home or away on vacation.