Cheap Florida RV insurance

June 24, 2014

Why go expensive when you can find some cheap Florida RV insurance from and save that extra cash for having fun?  While it might seem as though the best idea is to get the most expensive and option-heavy policy for your RV out there which you can find, the truth is that a less expensive policy might very well be more than adequate.  Of course this largely hinges on you, your driving record, driving habits and overall level of competence as an RV owner.


Inexpensive insurance for the experienced road warrior

Needless to say, if you know how things work within the general RV culture and have lots of trustworthy friends out there on the road you probably won’t encounter as many issues as a newcomer who’s just “learning the ropes”, as they say.  This applies to one’s driving skills as well as knowing when / where to set up camp, etc.  At the end of the day it largely boils down to how competent you are as an RV traveler…


On the other hand, if you are unsure, cheaper insurance might not be ideal.  In such cases you should look for a policy which covers all the basics with special additions meant to cover all of your valuables, assets, etc.  As it is often said, “it’s better to have something and not need it than to need something and not have it”.


The search for the cheapest policy

In your search for the cheapest policy, the following companies / site should definitely be among the first that you check out.  Each one is a ranked and well-known RV insurance provider with lots of credit to their name and a reputation to uphold.  At the same time, they often offer cheaper policies which cater specifically to drivers / owners who are looking to keep their budget balanced.


Speak with a specialist if possible

Most of the top insurance providers actually have specialists who deal with nothing but RV policies and concerns.  Naturally, if that’s an insurance company does – provides RV protection, then you’re already speaking with a specialist.  However, the larger institutions often have people who deal specifically with RV issues and the benefit here is that they usually know exactly what to offer drivers / owners who might be looking for an incredible deal.


What should a basic, cheap Florida RV insurance policy cover, exactly? 

For starters, every RV insurance policy needs to cover the usual stuff, like liabilities and so on, but at the very least you should also have some type of basic asset protection as well.  In effect, this applies to your RV as well as the stuff you have inside.  Depending on just how much you carry around with you, the need for such coverage will either be great or small.  The bottom line is that you shouldn’t forgo the possibility of damage, theft or an accident simply because it seems unlikely.


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FL Car Insurance

May 27, 2014

If you’re a resident of FL and want to operate a motor vehicle, the state requires you to have car insurance. There are minimum coverage amounts that you must carry for property damage liability and personal injury protection, but most people supplement these with additional coverage.


Mandatory FL car insurance has some of the lowest minimum coverage requirements in the country. How you drive can have an effect on the rates you pay. Traffic violations and accidents can raise your rates. Drive safely and choose the right coverage for your needs and you’ll be able to save on FL car insurance.


Car insurance sold by FL companies must be offered on a no-fault basis. This means that no matter who causes an accident, your insurance is required to pay your medical costs up to the limit of your policy’s coverage amount.  The minimum limits for the two main types of mandatory FL car insurance are:


What Does Personal Injury Insurance Cover?

Personal injury protection does not only apply to the driver of a vehicle. It covers many other people in many other circumstances depending on a number of factors.  Other members of your family are covered when they are riding in your car. Passengers that are riding in your car are also covered by your personal injury protection insurance unless they have personal injury insurance of their own. You are covered by your own personal injury insurance when riding in other people’s car in turn. Your children are even covered when they are riding on a school bus, and you are covered if you’re riding a bicycle or walking and are involved in a car accident.

What Does Property Damage Insurance Cover?

Florida auto insurance for property damage covers you for damages you might cause during a car accident to other people’s property, like a home or other structure.


Since the Department of Highway Safety requires that all operators of motor vehicles be insured up to at least state minimums, they also require FL car insurance underwriters to notify them if your insurance has been canceled or has lapsed. This notification to the DHSMV is done electronically. The department will then notify you by mail that your current car insurance policy is no longer in force, and give you a date of suspension for your driver’s license, vehicle registration, and your license plates. In order to avoid these suspensions, you will have to show proof of suitable insurance up to the compulsory limits for personal injury and property damage from another insurer, or prove reinstatement with your existing insurer before this date.

What To Do If You Miss Your Suspension Date

If you are not able to prove you have valid insurance to operate a motor vehicle by the suspension date, the State of FL will charge you a fee to reinstate your driving privileges. The fee is $150 for a first offense, going to $250 for a second offense, and $350 for any offense after that.


Proof of insurance can be shown to the Department of Highway Safety and Motor Vehicles at the DHSMV website, in person at any department office that offers driver’s licenses, or by phoning the department at 850-617-2000.

What To Do If You Sell Your Car

If your cancellation of coverage is a result of you selling or disposing of the car it is written for, you must present your license plates and the vehicle’s registration to the FL DHSMV before the date of your suspension if you want to keep your FL drive’s license in force.

Inside Storm Damage Insurance

March 8, 2014

Believe it or not, most homeowners don’t even have some type of storm damage insurance. While they’re fine with getting homeowners insurance policies from companies like, they don’t think about the coverage they may truly need in the event of a storm.


According to some resources, only ‘about 17 percent of homeowners across the country bother to buy some type of insurance like flood insurance.’ Since floods often occur from storms, having flood insurance can help people protect their homes in the case of a flood-bearing storm. The problem is that most homeowners don’t think that it’s necessary!


The importance of storm insurance


But, having storm damage insurance like flood insurance is important, even if it seems extraneous. If most homeowners took a closer look at their homeowners insurance policy, they’d see that that same policy does provide coverage for events like fires, wind damage, lightning and hail. Though, in most cases, the coverage may not be enough for some homes. Most, if not all, don’t even provide coverage for flooding or specific coverage for severe storms like hurricanes!


Thanks to that, it’s important for a homeowner to at least consider getting a separate insurance policy to cover damage from storms. If you’re in the United States, you can buy an entirely separate policy to cover storm damage from an insurance company specializing in the policies.


Flood insurance policies, to provide an example, are typically made available by the Federal Emergency Management Agency (FEMA) through insurance agents who carry those particular policies. So, you won’t have a difficult time finding one for your needs… as long as you know where to look.


A look inside storm insurance


Many insurance experts recommend to get some type of storm insurance policy, even if you don’t live in a storm prone area of the country. As seen in recent years, parts of the country that normally don’t experience severe weather have experienced severe weather, so having a storm insurance policy in place makes managing the aftermath of such situations much easier.


While some homeowners can’t afford to get a separate storm insurance policy, it’s still important to make sure that your main homeowners insurance policy has some type of coverage for storms. You can actually talk to home insurance providers like Florida Homeowners Insurance to ensure you can get that particular coverage… at a favorable price.


Some storm insurance policies are known to provide additional coverage for homeowners, including that of coverage for temporary housing, living expenses and many other necessities for people recovering from an unexpected storm. While some storm insurance policies don’t provide the aforementioned, there are some that do, again making it important for people to check with their homeowners insurance provider for more information about coverage for storm damage.


Probably one of the biggest problems with homeowners and storm insurance policies is the fact that they need to take the time to learn more about those particular policies. As long as they can learn more, they can eventually see exactly what they need to further the protection they wish to secure for their home.