Florida Home Insurance – What You Need To Know About Home Insurance


When you think of Florida, the first thing you typically think of is the beautiful orange groves and palm trees.  Unfortunately, the second thing you usually think of is hurricanes and tropical storms.  Inclement tropical weather is just one facet to consider when owning a home in Florida and debating whether home insurance is a good idea or not.  There are plenty of other facets that make home insurance a good idea in the state of Florida.  The Wurzel Agency in Oviedo, FL offers home insurance and consultations to help you with your insurance needs.

Home Insurance

What exactly does home insurance entail?  Home insurance policies are typically offered a la carte, meaning that you have a base policy and can add additional types of coverage to the policy.  We will cover a few of these types of policies below.

Flood Insurance

Flood insurance is sometimes offered separately as additional coverage to purchase to add to your main home insurance policy.  Sometimes, the flood insurance is included with the home insurance policy, it’s all dependent on the insurance provider and the types of policies that they offer.  Floods are an accepted consequence of living in a tropical area such as Florida.  Heavy rains can form at any time and heavy rains are also a consequence of tropical storms and hurricanes.

Damages and Liabilities

Should your home be damaged from storms, winds, or fires, your home insurance policy will cover the home and everything in it.  Many times, providers will offer rental coverage should you need to stay elsewhere while your home is being repaired for an insurance claim.  The home insurance policy also includes liability insurance for your property to protect you from liable events that occur on your property.

More Information

To learn more about home insurance, please contact The Wurzel Agency in Oviedo, FL today! 

The many benefits of a comprehensive renter’s policy


The Wurzel Agency is here for the Oviedo, FL community. Our team is focused on providing our clients, new and old, with the insurance protection they need. If you are considering a move into a rental unit, don’t forget to check into insurance too. 

Benefits of a comprehensive renter’s policy

One of the greatest benefits of having the right renter’s policy is the peace of mind that you gain from knowing that you are protected. Additionally, you will also experience some other more tangible benefits:

  • Coverage when your items are lost, stolen, or damaged due to a covered event.
  • Depending on the policy, you may receive reimbursement for alternative housing if your residence is deemed uninhabitable due to a covered event.
  • Replacement of items stolen outside of your home, depending on your level of coverage.

As you can see, there are different types and levels of benefits from policy to policy. That’s why it’s so important to talk to an agent who understands your needs. What might be right for your best friend may not be the right policy for your own personal needs. Selecting the policy that suits your needs can often feel overwhelming because there are so many different choices. We recommend that your clients take the time to understand all of their options before they make their final decision.

If you would like to have the benefits available from a robust renter’s policy, get in touch today!

Which renter’s policy is right for you?

Find out more about these benefits from The Wurzel Agency. We are proud to serve the insurance needs of our friends and neighbors in the greater Oviedo, FL area. Call or stop by today to find out more about how renter’s insurance can help you!

Why Do I Need RV Insurance?


Getting insurance for your motor home can get tricky, with numerous Oviedo, FL residents torn between getting home or car coverage. Unfortunately, none of the mentioned policies will cover your RV, with the ideal solution being RV insurance. This coverage will be essential in helping you get the proper protection safeguards, keeping you safe from legal problems. Below, The Wurzel Agency discusses why motor homeowners need RV insurance.

It Is a State-Requirement

Just like numerous types of insurance, RV insurance is mandatory, with owners expected to carry the state’s minimum liability requirements. This means getting coverage for 3rd party bodily harm and property damage liability. If you get into an accident, RV insurance ensures you get the proper compensation to offset other parties’ costs of medical expenses and property damage that you are liable for.

Helps You Cover Your Property Damage Costs

While RV insurance is a state-issued requirement, some RV owners will still opt out of purchasing their coverage, leaving you with out-of-pocket expenses when your motor home is damaged. RV insurance will help you pay for your RV repairs or replacement costs if you are involved in such a scenario. It will also be beneficial when your RV is damaged by disasters such as fire and hail, helping you fix your motor home.

Pays For Your Injuries

If you are involved in an accident, you are likely to get bodily injuries requiring medical attention. RV insurance kicks in to pay for your medical fees. These can be consulting expenses or X-ray check-up fees. Your passengers are also covered by RV insurance, allowing you to limit any additional costs.

Covers Emergency Roadside Services

No matter how prepared you are, emergencies such as breakdowns are likely to happen, leaving you stranded on the road. Fortunately, RV insurance can help with this, helping you cover your roadside assistance costs.

If you have recently purchased your motor home and are looking for RV insurance with the above benefits, consider reaching out to The Wurzel Agency today. We provide coverage to residents within Oviedo, FL to keep you protected during your travels.

What Is Covered Under Motorcycle Insurance in Oviedo, FL

The Florida sun is perfect for weekend getaways and enjoying the open road. Florida’s abundant sunshine is also a recipe for taking the motorcycle out and about to enjoy the weather.  Before you do, you should consider what your options are and what’s covered under motorcycle insurance in Oviedo, FL. To get an accurate picture of motorcycle insurance, we must first look at Florida law in relation to motorcyclists.

Florida is one of a few states that doesn’t require a helmet to ride a motorcycle.  If you choose to ride helmetless, you ARE required under Florida law to have motorcycle insurance.  Riders who choose to wear a helmet while on the road are not required to carry insurance.  Motorcycle insurance in Oviedo FL is at-fault insurance, meaning that the driver at fault in an accident is required to foot the bill for damages and personal injury which is handled by your insurance provider.

Under Florida law, minimum coverages under motorcycle insurance include $10,000 in injury liability coverage per person, $10,000 in property damage insurance, $10,000 in medical payments coverage, and $20,000 in injury liability per accident.  There are other policies that you can get in addition to your regular motorcycle insurance to offer you extra protection.  Collision insurance will pay for damages to your motorcycle in case of an accident regardless of who was at fault.  If another driver hits you and they either don’t have insurance or don’t have enough to pay for your damages, uninsured motorist coverage will save you under these circumstances.  

Florida is known for tropical weather and with this type of weather, you can be susceptible to severe storms and hurricanes.  These types of weather conditions can damage your motorcycle and if you have Comprehensive coverage, these types of damages can be covered.  Another type of addition you can get is Gap Insurance which will cover the remainder of what you owe on your motorcycle in case of a total loss accident.  You can purchase all of these coverages and more at The Wurzel Agency in Oviedo, FL. Contact The Wurzel Agency today to find out more about Motorcycle Insurance and what your options are.

No Matter the Boat, You Need Boating Insurance

Whether you plan to use your boat for sailing, fishing, or cruising in Oviedo, FL, you need to think about purchasing boat insurance from The Wurzel Agency. Since you cherish your boat, investing in boat insurance is worth every penny. The right boat insurance plan keeps you floating in the waters, stress-free. 

What vessels require boat insurance?

It’s not uncommon to hear most boaters say they don’t require boat insurance since they have a boat insurance policy. While it’s true homeowner’s insurance protects your boat, the protection is limited. Home insurance protects your boat up to about $1,500, which is too little. 

As such, you need boat insurance if you have the below water vessels:

  • Fishing boat
  • Houseboat
  • Performance boat
  • Sailing boat
  • Jet Ski
  • Yacht

Since it has cost you blood, sweat, and soul to buy your boat, watercraft insurance is a must-have investment to protect your asset when perils like theft, fire, accidents, falling objects, and others strike. 

Why do I need boat insurance, yet it’s not mandatory? 

Although boat insurance isn’t mandatory in Florida, you still need it. Think of it this way, is health insurance compulsory? No. Do you need it? Yes. The same is true for boat insurance. Boat insurance can save the day when you least expect it. 

Investing in boat insurance protects you in the following areas:

  • Liability protection: Boat insurance covers bodily injury and property damage you cause to others.
  • Protects your boat: Boat insurance pays for repairs or replacement of your boat when physically damaged. 
  • Medical payments: Watercraft insurance covers medical costs for you and your passengers when involved in an accident. 
  • Fuel spill liability protection: Boat insurance covers you when involved in a boat accident, and fuel or oil spillage occurs.

If you are in Oviedo, FL and its surroundings, don’t hesitate to contact The Wurzel Agency for an affordable quote. 

How Does Condo Insurance Work?

Most condo owners in Oviedo, FL, would like to protect their homes against various risks but are unsure how condo insurance works. A policy seeker may be wondering where to start, especially if it is the first time purchasing condo insurance. To help you with this challenge, The Wurzel Agency explains how different condo coverages work.

Building Property Coverage

This type of coverage offers protection to your condo’s interior against risks like theft, fire, and vandalism. Some of the items protected include fixtures like the interior walls, cabinets, sinks, and floors. If any of the covered risks affect the interior of your condo, the insurance company helps pay for the replacement or repair costs of those items.

Content Coverage

When perils like thefts, fire, and storms damage your property, contents coverage helps take care of the repair or replacement costs. Some of the items covered under this policy include electronics, clothes, and furniture.

Liability Coverage

When a guest gets injured at your condo or their property gets damaged, they may choose to sue you. This type of coverage helps cover legal fees, medical bills, and repair or replacement costs resulting from damages caused.

Loss of Use Coverage

If you can no longer stay in your condo due to damages caused by a covered peril, loss of use coverage can compensate you for the additional living expenses. This includes the cost of temporary accommodation, your meals and transport costs.

Loss Assessment Coverage

Condo owners also need to understand what is covered by their condo association’s insurance policy, which may be referred to as a master policy. A master policy covers common areas like the roof and the boiler room. If any of those areas are damaged, this policy helps cover the repair or replacement cost.

If you are interested in buying condo insurance in Oviedo, FL to protect your investment, reach out to The Wurzel Agency today. Our agents are ready to take you through various coverage options and help you choose the right policy.

Interesting Facts About Umbrella Insurance

Protecting your valuables is among the things that come first in your life. It is the only trusted way to ensure peace of mind. Among the different options available in the market, umbrella insurance carries significant weight. If you live around Oviedo, FL, you must have heard about The Wurzel Agency, leaders in insurance services. Far from other alternatives, the umbrella policy provides coverage for many life situations, as the name umbrella suggests. 

What Are the Basics of An Umbrella Policy?

The policy is extra financial coverage that shines brighter after you have exhausted all your keynote limits. One advantage it features is that it secures additional situations that other insurances tend to lockout. Understanding its limits and extents is can be rewarding to a client. 

The primary intention of umbrella insurance is to offer extended protection to your finances, assets, savings, and other valuables. It covers you from extreme court rulings and hefty liabilities claims. Among situations that the policy covers, they include.

  • When you cause a road accident hitting someone’s car when your dog injures another person 
  • If a guest sustains injuries while in your home
  • The policy safeguards you from hefty liabilities

Various risks are inevitable, and the umbrella insurance policy is there to protect you whenever the unexpected happens. If a situation forces your primary policy to stretch beyond its limits, the umbrella policy comes to bring a new dawn. Whether it is an accident, an injury, or any other catastrophe, you cannot overlook its benefits.

It Is Highly Affordable

You will appreciate the fair charges that most insurance agencies feature for the umbrella insurance policy. The low fee goes a long way to cover your assets worth millions of dollars. Investing in such an insurance policy is worth every penny.

The Wurzel Agency offers friendly terms for an umbrella policy in Oviedo, FL. Contact us today and schedule a visit to our offices.

Is Hurricane Damage Covered Under Flood Insurance

The Wurzel Agency provides insurance coverage to the Oviedo, FL community, as well as the surrounding areas. We are an independent insurance agency. For over 50 years, we have helped our clients find the policies they need to protect their assets. We look forward to creating long-lasting relationships and providing excellent customer service.

Is Hurricane Damage Covered Under Flood Insurance?

As an Oviedo, FL resident, you are aware of the potential damage that a hurricane or tornado can cause it moves through the area. The aftermath of natural disasters is often flooding. During those times when severe flooding moves through the area, flood insurance will cover your property. The policy covers any damage to the structure of your property, as well as your personal items. You may have to amend your policy to cover excess flooding inside your basement. Read over the terms of your coverage carefully. 

Generally, hurricanes cause extreme wind damage. You may need to look into separate coverage if the shingles are ripped off your roof or if a tree in your yard gets ripped up. However, there are some cases where you may be covered, such as if a hurricane were to blow debris through your home. Flood insurance does cover your property if a hurricane causes sewer backup damage. Ultimately, it’s important that you do some research to see if you are located in a high risk flood zone. If you are located in one of these zones, you may be required to add flood insurance.

The Wurzel Agency Will Help You Find The Coverage You Need

Visit our website to learn more information about flood insurance.  

Protect Yourself with Adequate Auto Insurance

Did you know one of seven drivers on the road does not have auto insurance? Some people can’t afford it, while others failed to pay their bills. While this may seem like a “not your problem situation,” you are responsible for the costs if you are in an accident with one of these uninsured drivers.

This is one reason have adequate insurance. If you need to purchase insurance in Oviedo, FL, you can start by speaking to The Wurzel Agency professionals. Keep reading to learn more about the importance of this coverage.

Protect Yourself

One of the most important reasons to have auto insurance is to protect yourself. If you are in an accident that is your fault, your insurance will cover the other drivers involved and for your injuries or damages. If the accident is not your fault, but the at-fault party does not have insurance, your coverage will kick in and cover your damages and injuries too. Without this coverage, you will have to cover these costs out of pocket, which may be thousands of dollars or more.

Protect Others

Along with protecting yourself, proper auto insurance coverage can protect others, too. With the right insurance policy, you will be able to cover any injuries or damages that you cause. Again, this is beneficial since you may have to pay out of your own pocket if you don’t have adequate coverage.

Purchasing auto insurance can be confusing. However, if you live in or around the Oviedo, FL, area, you can speak to knowledgeable professionals from The Wurzel Agency to help you find and purchase the coverage you want and need. Also, the professionals here will help ensure you get adequate coverage to ensure you are fully protected in any situation you find yourself in while on the road.

How to Choose the Right Coverage Amount for Commercial Insurance

The type of insurance coverage and the premium you pay depend on several factors. You need to consider the type of business you run, the location, claims history, and the number of employees.

But even after determining these factors, you’re still left wondering the precise type of coverage you need and the amount of money you’ll pay. To understand commercial insurance and the coverage amounts in Oviedo, FL, The Wurzel Agency is here to help. Read on.

What is the Right Coverage Amount?

Commercial insurance aims at protecting a business from financial loss due to liabilities.   

The truth is that every business has unique challenges. There’s no particular figure that a company has to pay for commercial insurance. However, every business needs to protect itself from losses resulting from different risks. Bodily injuries and property damage are common challenges for businesses in Oviedo FL. Such challenges can sink a business if not properly addressed.

One mistake that business owners make is to compare their coverage amounts to the widespread averages on the internet. This is wrong! Your coverage should be customized to your needs. You might be surprised to get lower-than-average premiums. 

Some common coverages for businesses include:

General liability insurance: It protects the business from liabilities of bodily injuries and property damage. If a customer is injured on your premises, this is the cover to protect your business. 

Commercial property insurance: You need to protect your premises structure and the business equipment always with this coverage.

Workers’ Compensation Insurance: If you’ve several employees, then workers’ compensation is a must-have. You need to protect your business and employees. Any employee injured in the line of duty should be fairly compensated by this coverage. 

Get a Quote Today

The Wurzel Agency makes it easy to determine the right cost of coverage. You get to pay an amount that fits the limits of your coverage. Contact our Oviedo, FL agents to get the right coverage at the right amount.