Does Florida Require Boat Insurance?

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.

How to choose Umbrella Insurance for your small business

Sometimes your business will face issues that do not fall under typical insurance policy guidelines. When this happens, your Umbrella Insurance policy can kick in and take a load off your shoulders. If you are in the Kissimmee, FL area, Familia Insurance Agency can work out an Umbrella Insurance policy for your specific business needs. To get prepared for your agent meeting, you will need to consider two things when choosing an Umbrella Insurance policy for your small business.

The Industry of Your Business

The first thing to consider is the industry your business is in because it will determine your possible liability and risk levels. If you are in an industry with more liability exposure, you will want an Umbrella Insurance policy that reflects those vulnerabilities. Before you meet with your agent, make sure you have a clear description of your business structure and activities. Together you will identify potential liabilities in your business and how to make sure your business stays protected.

Consider Your Current Liability Policies

The second thing to consider is the existing liability insurance you have for your business. Before your agent meeting, review your current liability coverage and determine areas of concern and limits. This is important because in the state of Florida, Umbrella Insurance functions as excess liability insurance and requires you to meet certain policy limit requirements. Discuss your findings and research with your agent so they can give you options for feeling secure no matter what happens in your business.

Getting the right Umbrella Insurance for your business will give you peace of mind and stop you from worrying about what could happen. Familia Insurance Agency will be your advocate and tailor your Umbrella Insurance to your industry and existing policies. Contact us today if you are in the Kissimmee, FL area!

Flood Insurance: What it is and Why You Need it

Flood damage is a perennial thorn in the flesh of Americans. In fact, floods account for almost 90 percent of all natural disasters in America. For this reason, you require flood insurance from Familia Insurance Agency in Kissimmee, FL for protection. And since your typical home or business insurance doesn’t protect you from flood damage, you must purchase flood insurance today. But before then, let’s cover some basics about flood insurance.

What is flood insurance?

It’s coverage that protects your home when floods strike. While flood insurance is available through the National Flood Insurance Program (NFIP), you can purchase coverage through private carriers. The good thing with the latter option is that it provides broader coverage, and you don’t have to wait for the 30-day waiting period for the coverage to take effect. 

Why you need flood insurance

While flood insurance isn’t a mandatory requirement, your home lender may require you to invest in flood insurance if you reside in a high flood-risk location. But whether flood insurance is compulsory or not, you need to consider it for the below reasons:

Floods may strike in areas not considered flood-risk

According to Federal Emergency Management Agency (FEMA), approximately 20 percent of flood insurance claims are made by residents living in regions not considered high flood-risk. Of course, this percentage would be high if more people have invested in this coverage.

To protect your asset

You require flood insurance since floods can strike anywhere. And you don’t want to be a victim since only a one-inch rise in water levels can cause home damages to the tune of $25,000! Because floods can cause unspeakable damage, you need flood insurance to protect your home and its contents.

Buy flood insurance today!

Now that you have seen flood insurance is a necessity in Kissimmee, FL, it’s time to buy coverage from Familia Insurance Agency. Contact us today, and we will help you protect your home. 

What Is Condo Insurance?

If you own a condo unit in Kissimmee, FL, it is good to be informed about condo insurance to protect yourself against various losses. At Familia Insurance Agency, we try to explain to our insurance customers what they should know about condo insurance.

Condo Insurance

It is a policy purchased to protect an owner against losses and repair costs in case the condominium unit is damaged. The policy often covers losses like fire damage, vandalism, water damage, theft, among others. Condos come with their own insurance needs, hence understanding how they differ from the usual home insurance.

What is Covered Under a Condo Insurance Policy

A condominium association coverage only takes care of whatever is outside your home. Everything inside your home, from the interior of the walls to fixtures and valuables, is your responsibility to protect against losses like smoke, fire, theft, vandalism, lightning, and accidental water damage.

Some common coverage under condo insurance include

  • Personal liability- covers legal expenses arising from lawsuits against you
  • Personal property- covering movable items like electronics and furniture
  • Building property- covers the unit itself, which includes fixtures and walls.
  • Loss of use- includes the cost of transport and lodging when a unit becomes uninhabitable

Why You Need Condo Insurance

Even when your condominium association has its own coverage, you may still find condo insurance useful. There are situations where the coverage by the association does not cover things like water damage to your ceiling and walls, a break-in, or an injury caused by someone slipping on your floor. This is where condo insurance comes in handy. It helps protect the unit’s interior, your personal property, and lawsuits or claims arising from a third-party injury.

For residents of Kissimmee, FL, living in a condo, it is not late to purchase condo insurance whether you just moved in or if you have been staying there for some time. Contact Familia Insurance Agency and we will help you decide the suitable policy that will give you peace of mind.

Is Renters Insurance Required In Florida?

Whether you have rented in a conservative or a fast-paced neighborhood, you need renters insurance to protect you regardless of the stage you are in life. While no Florida law requires you to carry renters insurance, some landlords will insist you purchase renters insurance before renting their property. Nevertheless, whether renters insurance is mandatory or not, you need to secure one from Familia Insurance Agency of Kissimmee, FL to protect you against various perils. 

Why you need to invest in renters insurance

While most people reluctantly write their insurance check, you can’t fail to notice their faces glow as they receive compensation when a claim arises. Similarly, renters insurance can save you on a rainy day. Here is why you need to invest in renters insurance:


Liability protection

If you have been keen on the news, Florida is never a stranger to lawsuits. And since anyone can be sued, you need liability coverage from renters insurance to cover you against claims made for bodily injury or property damage to third parties.  

Personal property protection

If you were to list the value of your assets like clothing, electronics, furniture, and other personal effects, the value would clock thousands of dollars. For this reason, you need renters insurance to protect you when loss or damage occurs to your belongings. 

Most people assume that the landlord’s policy covers their assets only to get a rude shock when disaster strikes their property and walk away with zero compensation. The landlord’s insurance policy covers the building structure but not your assets. 

Loss of use

Depending on your insurance policy, renters insurance can cover additional living expenses when your rented apartment or condo becomes unlivable due to a covered loss. 

Are you looking for affordable renters insurance coverage in Kissimmee, FL? Please contact Familia Insurance Agency to get covered within your budget.

Business insurance options for freelancers in Kissimmee, FL

Being a freelancer comes with extreme freedom and flexibility. You can choose where and when to work, and you don’t have to answer to anyone. You get to decide what projects to take and which clients to work with and get paid. However, like any other business, you’re not exempted from risks that other professionals and businesses go through. You can be sued, injured, or even have your working tools vandalized. For this reason, you want to ensure that you have the right insurance coverage like any other professional. Here are the top coverages for freelancers in Kissimmee, FL.

General liability insurance

Every business needs general liability insurance to protect it from common accidents, which can turn out expensive in the long run. General liability protects your clients and employees—like a delivery person, driver, or personal assistant.

Cyber Liability Insurance

Cyber liability is a must-have for most freelancers. Most freelancers operate online, which is risky in data breaches, fraud, identity theft, and other cybercrimes. Cybercrimes can be extremely expensive and can even cost you your job. At Familia Insurance Agency, we recommend buying enough cyber liability insurance to protect you from other destruction like fire and vandalism that could affect your productivity.

Professional liability

When general liability protects you from property damage and injuries, professional liability protects your business from lawsuits that your clients may file concerning your services. You can be sued for late service delivery, poorly done work, or negligence.

Business interruption

Freelancing comes with many interruptions, from poor internet connectivity to computer breakdown, which can prevent you from working efficiently. Business interruption insurance helps get you back to work as soon as possible.

Give your client the best without worrying about what could happen next with our help. At Familia Insurance Agency, we care about what matters to you, and that’s why we ensure you get a policy tailored to your field. Contact us today!

What Is Renters Insurance?

If you have rented a condo in Kissimmee, FL, you might be under the impression that your landlord has an insurance policy covering the entire property and its contents. Well, that is wrong. Most landlords only cover the structure, and they do not have a policy that covers damages or risks faced by their tenants. This is the main reason why Familia Insurance Agency is encouraging tenants to get renters insurance. 

What is Renters Insurance?

A renters insurance policy is structured to protect your personal properties in a rented condo if you experienced unexpected occurrences such as loss of possessions, sewer damages, possible fire outbreaks, and theft. This type of insurance can also come in handy if a person is injured in your condo. 

As you can see, you can easily confuse renters insurance with homeowner’s insurance. However, the renter’s insurance policy is limited in that it does not cover the structure but the contents inside the rented room. That is why you should not depend on your landlord’s homeowners insurance to cover your belongings. 

How Does Renters Insurance Work?

If you experience risks on covered items in your rented room, the insurance policy will cover all the associated costs. The amount of compensation will depend on the level of your coverage and the loss you have experienced. Some standard coverage options you can get in renters insurance include replacement costs and actual cash value coverage. 

Do You Need Renters Insurance in Kissimmee, FL?

As you can see, your landlord’s homeowners insurance does not cover your belongings in rented apartments. It is upon you to get renters insurance and cover your belongings against possible risks. Familia Insurance Agency can help you get a personalized policy that will protect your belongings against fire, theft, and even natural disasters.

Condo Insurance Options in Kissimmee, FL

If you live in the city of Kissimmee, FL and live in a condo, you might want to know more about condo insurance and what your options are. You can learn more about this topic from a place such as Familia Insurance Agency.

If you live in Florida, in a condominium, you should really look into HO6 or condo insurance. This is necessary in order to protect your walls, belongings, furnishings, and other items. There are many discounts that you could potentially get when you are purchasing condo insurance in the state of Florida, depending on your specific situation and what you qualify for.

If you live in a condo, your homeowner’s association will have a master insurance policy that will cover the exterior of the building, as well as the common areas. However, this will not cover anything inside of your own unit. In order to cover your unit and everything in it, you will need condo insurance. Condo insurance will cover the interior structure of your home, personal property, personal liability (if someone is hurt in your condo and decides to sue), medical payments (for guests who are injured in your home), and loss of use (any food or shelter that you need if you are forced to relocate temporarily by a claim that is covered by your policy).

The amount of coverage that you need will depend on your belongings and lifestyle. For example, if you have a lot of expensive belongings, you should purchase more personal property coverage than the minimum that is generally recommended.

If you live in Kissimmee, FL, you should feel free to contact Familia Insurance Agency with any questions that you might have about condo insurance. They will be able to give you the information that you need and perhaps help you decide on the right condo insurance policy for you.

Why should I get home insurance for my property?

The Kissimmee, FL area has continued to be a great place to own a property. Anyone that owns a home in this area will benefit from the property growth and good economy in the local area. Anyone that is going to purchase a home here should also get a home insurance policy. There are a number of reasons to get this coverage. 

Insurance Protects Dwelling

A primary reason to get home insurance is that it can protect your dwelling. If you are going to buy a property, you will find that it will be a very significant investment that needs to be protected. If you get proper home insurance in place, it will offer you the coverage that is needed to repair or replace your property if there is damage due to a fire or other form of loss.

Insurance Gives Liability Coverage

You will also want to get a home insurance policy to take advantage of liability coverage. Anyone that is going to own a home could take on liability risk regularly. If there is an accident that occurs and results in injury to another party, you could be held responsible for damages. Also, if your property malfunctions and causes damage to another person’s assets, you will be responsible for repairs. Fortunately, you can mitigate this risk if you get home insurance as it will include liability insurance components. 

As you are looking for a new home insurance policy when you are in the Kissimmee, FL area, it is important that you speak with the team at the Familia Insurance Agency. Those that do call the Familia Insurance Agency are going to learn a lot about their insurance options. The team can then help you build a policy that is ideal for your situation. 

Why should I get a renters insurance policy in Florida?

The Kissimmee, FL area can be a great place to live. Those that are in this area will find that there are many great local amenities and job opportunities. When new to the area, renting a home could be a great option as it offers a number of advantages. If you do choose to rent a home here, there are several reasons to get a renters insurance policy. 

Insurance Coverage Will Protect You

One of the reasons to get a renters insurance policy is that it will protect you. If you are going to move into a new home here, you will want to make sure that your personal assets are properly covered. Your renter’s insurance policy will give protection to repair or replace your personal assets if they are damaged, destroyed, or stolen. Additionally, renters insurance will give liability coverage if you are found liable for property damage or an accident that results in serious injuries.

Coverage Will be Required By Landlord

Another reason to get a renters insurance policy is that it will be required by your landlord. A property owner and manager will be protected when their tenants carry the proper insurance. Due to this, they will often require that all tenants carry a full renters insurance policy as long as the lease is in place.

Having proper renters insurance is very important for anyone moving into the Kissimmee, FL area. Those that are looking to rent a home in this area of Florida should call Familia Insurance Agency to discuss their insurance needs. The team at Familia Insurance Agency understands the importance of having proper insurance. When you call them, you can receive the guidance needed to understand your options and pick a policy that offers the right coverage.