What can be included in a Florida home insurance plan?

Many have enjoyed being property owners in the Oakland Park, FL area. Considering purchasing a home there, consider your insurance needs and options. Many provisions can be included in your Florida home insurance plan. 

Protection for Assets

Many people get home insurance to protect their assets. Your dwelling is a very valuable asset that can be insured. This policy will allow you to repair or replace the home if a fire or other covered claim damages it. You can also get coverage for personal assets, including a policy rider for more expensive items like art or jewelry. This will ensure you are covered if you are a victim of damage or theft of these valuables. 

Liability Support

A property owner will always have some personal liability risk. Liability claims can sometimes be significant, so protection is very important. You will get coverage for these siwith you have a full home insurance plan. A proper liability insurance plan will offer financial support, and you will receive guidance throughout the process if you are named liable in an accident. 

Owning real estate in the Oakland Park, FL area can be an excellent investment. When trying to protect this investment, working with a trustworthy insurance team would be wise. Give our team with eAdvisorPro Property & Casualty LLC a call today to discuss your needs. Our eAdvisorPro Property & Casualty LLC insurance professionals will take a personalized approach when building your next policy. 

Ensuring Production Continuity: Commercial Insurance for Manufacturers

Manufacturers are the backbone of many industries in and around Oakland Park, FL, producing the goods and products that drive economies and meet consumer demands. Commercial insurance tailored to the needs of manufacturers is crucial for ensuring production continuity and mitigating potential setbacks.

The Significance of Commercial Insurance

Commercial insurance is there for the protection of businesses from various risks specific to their operations. For manufacturers, it is not merely a financial safeguard but a strategic asset that safeguards investments, assets, and production continuity.

Key Benefits of Commercial Insurance for Manufacturers

  • Property Coverage: Manufacturing facilities are equipped with expensive machinery and equipment. Commercial insurance protects against losses due to fire, theft, vandalism, or natural disasters. This coverage ensures that manufacturers can repair or replace essential assets swiftly.
  • Liability Protection: Manufacturers interact with suppliers, employees, and consumers daily. Liability insurance covers potential claims related to accidents, injuries, or property damage that may occur on-site or due to products. It safeguards manufacturers from costly legal actions and settlements.
  • Business Interruption Coverage: Unexpected disruptions, such as machinery breakdowns or supply chain interruptions, can halt production. Business interruption coverage compensates manufacturers for lost income and additional expenses incurred during downtime, ensuring the business remains financially stable.
  • Product Liability Coverage: Manufacturers are responsible for the safety and quality of their products. Product liability insurance protects against legal claims from defective products, design flaws, or inadequate warnings. 
  • Customized Policies: Commercial insurance policies can be tailored to the risks manufacturers face. This customization allows manufacturers to select the appropriate coverage levels and endorsements to address their vulnerabilities effectively.

eAdvisorPro Property & Casualty LLC Can Help You

At eAdvisorPro Property & Casualty LLC, we can help answer questions concerning commercial insurance. We serve the Oakland Park, FL area. Contact us today. 

Florida Drivers: What to Do When You’re Involved in a Crash

Most of us have been there: you’re driving down the road, and out of nowhere, you’re involved in a car crash. Florida requires you to contact local law enforcement if the crash results in injury or death. The same requirement applies when the crash causes $500 (or more) damage to a vehicle or property.

Consulting eAdvisorPro Property & Casualty LLC

Florida’s drivers who need auto insurance should know that eAdvisorPro Property & Casualty LLC is ready to provide you with the best auto insurance policy. Our staff of professionals is available to answer your questions about Florida driving laws. Please call today at (800) 891-0515 or stop in at our Oakland Park, FL office.

Exchange Information

The first step after a crash is for both people to move their cars to a safe location. After that, both people should exchange insurance information and wait for a law enforcement officer to arrive. Before the officer leaves, they’ll tell you where to get a copy of the accident report.

If Injury is Involved

If the crash resulted in an injury, the Florida Financial Responsibility Law requires the at-fault driver to have full liability insurance at the time of the crash. If the at-fault driver doesn’t have coverage, they must buy and maintain liability insurance. Their insurance company must then submit proof of that insurance. They must also get a document from the other driver detailing the list of that driver’s injuries or damages.

At eAdvisor Pro Property & Casualty LLC, we’ll provide you with more than an insurance policy. Our experienced Oakland Park, FL agents are always prepared to address your concerns about auto insurance matters. Give us a call today, or get a quote through our website.

Vacant and Unoccupied Home Insurance

Many homeowners are unaware that standard home insurance may not provide adequate coverage during such times in or around the Oakland Park, FL area. Whether the property is awaiting sale, undergoing renovations, or temporarily unoccupied, it is essential to understand the unique insurance considerations for vacant or unoccupied homes and the need for specialized coverage.

Distinguishing Between Vacant and Unoccupied Homes

While "vacant" and "unoccupied" are often used interchangeably, they have distinct meanings in the insurance context. A vacant home is an uninhabited property without personal belongings or furniture. An unoccupied home may have furniture and personal items but has no occupants currently residing there.

Standard Home Insurance vs. Vacant and Unoccupied Home Insurance

Standard home insurance is designed to cover homes that are occupied and lived in by the homeowner. When a property becomes vacant or unoccupied, the risks change significantly, and standard policies may no longer provide adequate coverage.

The Risks of Vacant or Unoccupied Homes

Vacant or unoccupied homes face specific risks that standard home insurance may not address. These risks include increased vulnerability to vandalism and theft, potential damage from neglect, and liability risks if someone gets injured on the property and no one is present to address the situation immediately.

Specialized Coverage for Vacant and Unoccupied Homes

This type of coverage addresses the unique risks associated with extended vacancy periods. It typically includes property coverage that protects against vandalism, theft, and damage caused by neglect. Additionally, it may consist of liability coverage to protect homeowners in case someone is injured on the property during its vacant or unoccupied status. 

eAdvisorPro Property & Casualty LLC LLC Can Help You

Here at eAdvisorPro Property & Casualty LLC, we can answer all your questions concerning home insurance. We assist the Oakland Park, FL region. Contact us today.

Auto Insurance Requirements in Florida

 The agents at eAdvisorPro Property & Casualty LLC, serving the Oakland Park, FL area are stressing the importance of auto insurance.

Auto Insurance Requirements in Florida

In the state of Florida, anyone who owns a motor vehicle with four or more wheels must carry a minimum amount of personal injury protection, also known as PIP insurance, and a minimum amount of property damage liability insurance to drive on public roads legally. The law allows up to a $1,000 deductible for personal injury protection and only a $500 deductible for property damage liability.

Other Auto Insurance Coverage Options

Collision Coverage

There are many other coverage options for auto insurance, including collision coverage. If you collide with an object or another vehicle, this will cover your vehicle. It will help pay for damage to your vehicle and the one you collided with.

Comprehensive Coverage

Comprehensive insurance coverage will help you replace or repair your vehicle if it becomes damaged by some natural disaster, such as a hurricane in Florida, a fire, or even an act of vandalism. If your car is stolen, comprehensive coverage can help you replace it.

Keep in mind that most lenders will require that you have both collision and comprehensive coverage insurance to protect the investment they have made in your vehicle until you pay off your loan.

Other Auto Insurance Options

Other auto insurance options that your agent can discuss include uninsured and underinsured motorist coverage, medical payments coverage, and Gap Insurance.

Contact eAdvisorPro Property & Casualty LLC.

To start your auto insurance policy, call today for an appointment with one of the agents at eAdvisorPro Property & Casualty LLC, serving the Oakland Park, FL area.

Do all Oakland Park car owners need to have auto insurance?

If you live in the Oakland Park, FL area, owning a vehicle is likely very helpful. Being a car owner here can make it much easier for you to get around the community. If you want to buy a car in this area, you will also want to get auto insurance. There are a lot of reasons why someone will need to have auto insurance coverage here. 

Comply with Legal Requirements

You will need to get an auto insurance plan because it will allow you to comply with any legal requirements. Car owners driving in Florida will be obligated to carry liability coverage at all times. This ensures drivers are able to pay for the damage they may cause when driving. If you do not have this insurance, you could face penalization.

Protect Vehicle

It is also important to get auto insurance to ensure you are able to protect your vehicle. A car owner in Florida will be making a significant investment. The best way to support and protect this investment is by getting an auto insurance policy with full coverage. If you have a full plan, you will get support if you experience accident damage, theft, or another form of loss. 

Any car owner in the Oakland Park, FL area needs to get proper insurance coverage for their vehicles. If you want this type of insurance when you are here, calling our team with eAdvisorPro Property & Casualty LLC could be helpful. Our eAdvisorPro Property & Casualty LLC insurance team can give you any guidance you need to build a proper plan to meet your needs and protect your car. 

Who needs to have home insurance in Florida?

If you are in the Oakland Park, FL area, you can find that owning a home is a good idea. When you are looking to buy a property here, it will be important that you spend time assessing your insurance needs. This includes getting a proper home insurance plan. There are various situations when someone in this area will need to have a home insurance policy. 

When Financing a Home with a Mortgage

A situation when someone is going to need to have a home insurance plan will come when they take out a mortgage. Many mortgage lenders will require you to carry insurance until the home is paid off in full. If you do not have this insurance, you can face various forms of penalization. Because of this, carrying a full home insurance plan until the loan is paid off in full is very important. 

When Trying to Get Financial Protection

Another important reason to get a home insurance plan is so you can get financial protection. If you choose to buy a home, you are making a significant long-term investment. A great way that you can protect your investment is by getting insurance. With this coverage, you will be able to make repairs or replace the home if you incur certain types of loss. It would also be a good idea to get liability coverage to offset this risk. 

If you are starting to look to buy a home, it is very important that you take out a home insurance plan. For those that are in the Oakland Park, FL area, calling our professionals with eAdvisorPro Property & Casualty LLC is a good idea. Our team at eAdvisorPro Property & Casualty LLC knows the value of this coverage, and they can provide any support that you need. 

Does commercial insurance cover hurricane damage?

At eAdvisorPro Property & Casualty LLC, we want you to understand what your commercial insurance covers and what it does not. Your Oakland Park, FL, business receives some pretty wide-ranging protection from a standard commercial building insurance policy, but it doesn’t cover all of the damage a hurricane causes.

Flood Damage

Hurricane storm surge and heavy rains cause flooding, but commercial insurance does not cover that damage. Only flood insurance covers flood damage. You can add a commercial flood insurance policy to ensure that you have full insurance.

Wind Damage

Typically, a commercial building insurance policy does cover wind damage. Strong winds, even hurricane-strength winds, remain covered.

What about water damage caused by wind damage? This falls in a different category than rising water flood damage. With this type of water damage, the standard commercial building policy does cover. If the wind ripped off your roof and water gets in the hole in the roof, the policy covers that.

Damage to Glass

Your business’s lovely plate glass windows do not receive coverage under your building insurance. You’ll need a glass policy to cover damage to windows. The same policy covers mirrors and glass windows in doors inside your building.

Covering When You Can’t Operate Your Business

You need to add a business interruption insurance rider to cover your business’s inability to operate during a business interruption. A business interruption refers to any event that precludes you from running your business. It includes hurricanes, tornadoes, derechos, fires, and other unexpected events. The rider provides coverage for typical business expenses.

Contact eAdvisorPro Today

Contact eAdvisorPro Property & Casualty LLC to review your commercial insurance policy to ensure your Oakland Park, FL business has all the coverage it needs.

What Information Should You Have Available When Reporting an Auto Insurance Accident to Your Auto Insurer?

Suppose you have never been involved in an accident before. In that case, one of the questions you may have when an accident occurs is what information you need to have available when reporting that accident to your auto insurance company. At eAdvisorPro Property & Casualty LLC, providing auto insurance in the greater Oakland Park, FL region, we are frequently asked this question and want to help you prepare to file an auto insurance claim. Here are some of the crucial bits of information you should have available. 

Your Policy Information

Anytime you file a claim with your auto insurer, you should have your policy number available. Having your policy number available is necessary if you are filing a claim online or through an app. If you are filing a claim in person or via the phone, the insurance agent may be able to pull up your policy through other information, but having the policy number helps expedite the process. 

Information Pertaining to the Other Driver

Another critical bit of information you need to have is information about the other driver or vehicle that hit you. Ideally, you should have information such as the other driver’s name, license number, insurance policy provider and policy number, type of vehicle involved in the accident, and the vehicle’s license plate in the accident. 

Information About the Accident Itself

Lastly, be prepared to explain your version of the events that led to the accident. Ideally, it would be best if you jotted down what happened as quickly as possible after the accident so you do not forget key pieces of information or fail to convey this to the insurance agent. 

Having the correct information on hand can speed up the auto insurance claim intake process. If you are looking to purchase a new auto insurance policy to ensure you are fully covered in the event an accident happens, eAdvisorPro Property & Casualty LLC, serving the greater Oakland Park, FL area, would love to help you. Contact us now to get started. 

Does Home Insurance Cover My Detached Garage?

If you own a home in Oakland Park, FL, you may wonder if your home insurance policy covers the detached garage from your property. The answer to this question depends on the coverage type included in your policy.

Types of Coverage 

The most common types of coverage for detached garages include: 

  • Building & Contents – This coverage includes the garage’s physical structure and contents, such as furniture, tools, and equipment. It also covers repairs or replacement should any damage occur due to fire, theft, or other disasters. 
  • Liability – Liability coverage shields you from any claims brought against you by third parties in case of physical or property damage on your premises related to your garage operations.
  • Loss of Use – This type of coverage helps to cover expenses related to temporary housing should your detached garage become unusable due to a covered loss such as a fire or storm damage.  
  • Specialty Property – Specialty property insurance can provide additional protection for items such as expensive tools and equipment that may not be covered under a standard homeowners’ policy.  

If you have questions about what your home policy covers, contact eAdvisorPro Property & Casualty LLC today. One of our friendly agents will be happy to discuss your coverage options.

How Much Does Home Insurance Cost? 

The cost of home insurance will vary depending on several factors, including the value of your detached garage, its contents, and the amount and type of coverage selected. Generally speaking, it’s wise to purchase enough coverage so that you are adequately protected against any potential losses or damages that could occur in the future.  

Contact eAdvisorPro Property & Casualty LLC today for more information about our various homeowner insurance plans and options.