Our mission is to help our clients manage the risks of everyday life. The Learning Center is a place that provides essential tools and information to help you understand the principles of Insurance.
4 Common Renters Insurance Myths
Did you know that according to the US Department of Justice rented properties are 79% more likely to be burglarized than owned property? Then why do only 42% renters purchase renters insurance?
Most renters are under impressions about renters insurance that are not necessarily fact. Here are 4 common myths you should know about renters insurance.
1. "My stuff isn't worth very much." That may be true but renters coverage covers more than just theft. It also covers fire. What if all of your belongings were destroyed - that could add to be quite a bit to replace out of pocket.
2. "I'm covered under my landlord's policy". This is false. Your landlord's policy only covers the dwelling not your personal contents.
3. "I just can't afford Renter's Insurance." The reality is that renters insurance is one of the most affordable forms of insurance on the market. The average cost of renters insurance is about $15 per month (less than the cost of a movie ticket) for $30,000 of property coverage and $100,000 of liability coverage.
4. "Renter's Insurance takes too long to shop for." Renters insurance is one of the easiest, most hassle-free insurance policies youâll ever find. At Florida American Insurance, shopping and comparing renters insurance quotes only takes a few minutes
Florida Auto Insurance Savings
Distracted driving is any activity that could divert a person's attention away from the primary task of driving. All distractions endanger driver, passenger, and bystander safety. These types of distractions include:
•Using a cell phone or smartphone
•Eating and drinking
•Talking to passengers
•Reading, including maps
•Using a navigation system
•Watching a video
•Adjusting a radio, CD player, or MP3 player
But, because text messaging requires visual, manual, and cognitive attention from the driver, it is by far the most alarming distraction.
The best way to end distracted driving is to educate all Americans about the danger it poses. You'll find facts and statistics that are powerfully persuasive at Distraction.gov. If you don't already think distracted driving is a safety problem, please take a moment to learn more. And, as with everything on Distraction.gov, please share these facts with others. Together, we can help save lives.
"Savings" is something that everyone wants to do especially when it comes to their auto insurance. It seems everywhere we look, the message is to save more and spend less. This is especially true for the auto insurance industry.
From commercials on television to letters in the mail, the message is the same: pay less for auto insurance. The question then becomes, can I really save more money if I switch companies? Maybe so. There are plenty of ways to save on auto insurance.
All consumers should make sure they know about all the available discounts, multi-car discount, paid in full discounts, good driving discounts, vehicle safety discounts, and homeowner discounts to name a few. Once you know the available discounts the more likely it is that you will find a low rate. This is because you know what type of information to provide to the insurance agency and you know the right questions to ask.
Some things to consider before shopping for insurance:
What kind of safety equipment is on your vehicle? (e.g., airbags, daytime lights, anti-locking brake system, etc.)
Do you have licensed children in the household? Do they qualify for good student discount?
Are you insuring multiple cars?
What is your driving history? Is your license clear of points?
How many miles do you drive in an average day, week or month?
Cheaper is not always the best option. You can find auto insurance policies with low rates, but should you purchase a policy based on price alone? When it's time to make a claim, you want to be sure that not only is your coverage adequate but that the company you're insured with handles your claim in an effcient manner.
When you call Florida American Insurance for a quote, you will receive quotes from multiple carriers. We offer you the ability to compare rates from multiple companies saving you time. We partner with many companies to save you time and help find you the best affordable coverage that suits your needs. It just takes a few simple questions and in seconds, you will have an accurate quote from a variety of auto insurance carriers.