Auto Coverages
Home & Others
Bodily Injury Liability protects you if you're responsible for injuring someone in an accident.
It can help cover:
- Medical bills
- Lost wages
- Legal defense costs
Without this coverage, you could be personally responsible for these expenses—including lawsuits that may impact your savings and future income.
Property Damage Liability covers the cost of damage you cause to someone else's property.
This includes:
- Other vehicles
- Buildings, fences, or structures
- Public property, like light poles
Minimum limits are often insufficient, especially given today's high repair and replacement costs.
Uninsured Motorist coverage protects you when the at-fault driver doesn't have enough or any insurance.
It can help cover:
- Medical expenses
- Lost income
- Pain and suffering
This is especially important in Florida, where many drivers carry minimal or no coverage.
Personal Injury Protection (PIP) helps pay for your medical expenses and lost wages after an accident, no matter who caused it.
It typically:
- Covers 80% of medical bills
- Covers 60% of lost wages
- Provides fast access to care
However, coverage is limited, so additional protection is often recommended.
Medical Payments coverage (MedPay) fills the gap left by PIP.
It can:
- Cover remaining medical expenses
- Apply to passengers in your vehicle
- Pay for ambulance, dental, and other costs
It's an affordable way to reduce out-of-pocket expenses after an accident.
Collision coverage pays to repair or replace your vehicle after an accident, regardless of who is at fault.
Whether you hit another vehicle or an object, this coverage helps you get back on the road quickly.
Comprehensive coverage protects your vehicle from events beyond accidents.
This includes:
- Theft and vandalism
- Storm and weather damage
- Fire and falling objects
In Florida, this coverage is especially important due to unpredictable weather.
Rental Reimbursement helps cover the cost of a rental vehicle while your car is being repaired after a covered claim.
It ensures you stay mobile without unexpected expenses during the repair process.
Dwelling coverage protects the physical structure of your home from damage caused by covered events.
This includes:
- Fire and smoke
- Storm damage
- Accidental damage
It's designed to help you repair or rebuild your home if something unexpected happens.
Personal Property coverage protects your belongings, such as furniture, electronics, clothing, and valuables.
It applies if your items are:
- Damaged
- Stolen
- Destroyed
This coverage helps you replace what matters most.
Liability coverage protects you if someone is injured on your property or if you accidentally cause damage to someone else's property.
It can cover:
- Medical expenses
- Legal costs
- Settlements
This coverage is essential for protecting your financial future.
Loss of Use coverage (Additional Living Expenses) helps pay for temporary housing and living expenses if your home cannot be occupied due to a covered event.
This may include:
- Hotel stays
- Meals
- Temporary housing
General Liability insurance protects your business from claims involving injuries, property damage, or legal disputes.
It can cover:
- Legal fees
- Settlements
- Medical costs
It acts as a financial safeguard for your business operations.
Commercial Auto insurance protects vehicles used for business operations.
It covers:
- Accidents and damage
- Liability risks
- Business-related driving
Personal auto insurance typically does not cover business use.
Umbrella insurance provides additional liability coverage that extends beyond your auto or home insurance limits.
It helps:
- Cover large claims or lawsuits
- Protect your savings and assets
- Provide extra peace of mind
It's designed to protect you when standard coverage isn't enough.