Do I Need RV Insurance in Florida

Florida is a great place to own an RV. The state has 175 state parks, and 59 offer camping. IT can be the perfect place to get away with your RV. Additionally, there are 3 National Parks, and all of them have camping. Whether or not you need RV insurance in Florida depends on the type of RV you have and whether or not you have a loan on your RV. At the Wurzel Agency in Oviedo, FL, we understand RV insurance and the people who own RVs, and we have the information you need to protect your recreational vehicle.

If you own or rent a Class A or Class B RV, you need to carry the same type of mandated insurance as any other motor vehicle in the state of Florida. Florida law requires 10/20/10 liability coverage. $10,000 for bodily injury person but to a total of $20,000 and $10,000 personal coverage. If you have a loan on your RV, your lender will require liability as well as collision and comprehensive coverage. But no matter what type of RV you have, even if it isn’t required to have insurance, getting insurance for it may be the right thing to do. Collision and comprehensive coverage can help to pay to repair your RV if it is damaged. Collision covers damage from accidents involving other vehicles and comprehensive covers damage from other than collision events. 

You likely spend quite a lot of money on your RV, so protecting it with insurance only makes sense. If you have purchased an RV and are looking for insurance or you are ready to look for a new agent, The Wurzel Agency in Oviedo, FL would love to sit down with you to discuss your RV insurance needs. Give the office a call or stop by and let us give you a no-obligation quote. 

Ready to Remodel? Time to Call Your Insurance Agent!

Ready to make your home improvement dream a reality? It’s essential to have the right type of insurance and the right amount of coverage first! 

Insurance should be in place during and after construction. If you’re considering a remodeling project, it’s essential to contact your agent before the process begins. Waiting until the project starts or is already finished can be an expensive mistake, so be sure to take the following essential steps first: 

1. Discuss home improvement plans with your agent. Ask about updating your homeowner’s policy, and ask whether other types of insurance will be needed for protection during the construction process. Only those who are qualified to perform DIY projects should attempt them. People who are not construction workers should not help unless there is sufficient liability coverage for their protection. Many homeowners must raise their no-fault medical protection limit for such workers. For a larger project, it is best to consider a “course of construction” policy. This covers the home during the building process from weather or theft damages.

2. Make sure the contractor is covered. Before allowing a contractor to start work, ask to see his or her insurance policies. Contractors should carry both workers’ compensation and commercial general liability insurance. If one of the insured contractor’s workers sustains injuries, that individual will not be able to sue the homeowner. Contractors who are unwilling to provide insurance documents should never be hired.

3. Store all receipts and records. Be sure to take photographs before, during, and after the remodeling project. This provides a virtual history of what the property looked like during each phase. Hold on to all contracts from contractors, and be sure to save the receipts for all materials purchased. Keep receipts for any other belongings bought for the home during the project as well.

4. Update insurance policies again after the project. Let your agent know when any home improvements are completed, as insurance amounts may need to be increased following a major renovation. All of the records and receipts may need to be copied and sent to the insurance company. This helps them assess needs and assign accurate values for the improvements. Your agent will be able to recommend any coverage needed for more expensive items. You may need additional liability coverage if a pool or spa was added, or an umbrella policy may be the right solution for this situation.

Be sure to ask your agent about discounts as well! When you install smoke detectors, stronger doors, deadbolt locks, or burglar alarms, they may qualify for discounts. Some insurers also offer more significant discounts to people who install more sophisticated burglar alarm systems, sprinkler systems, fire alarm systems, or other devices. 

If you’ve updated your plumbing, electricity, roof, or windows, those may also qualify for discounts. This is especially true if any energy-saving features were installed. In areas prone to intense storms, shutters, reinforced roofs, and shatterproof windows could also earn you a discount, so be sure to ask your agent about what your insurance company offers. 

Don’t forget: If a remodeling project is the result of a growing family, be sure to consider your other insurance needs, such as a life insurance policy, as well. 

Have some new jewelry in the house? Protect it!

Valentine’s Day is near, and love is in the air. Well, love and a few other things – like chocolates, romantic dinners, candy hearts that say “BE MINE,” and, of course, jewelry.

It’s exciting – not to mention romantic – to receive jewelry from a loved one or give it as a gift. If you’re lucky enough to have received some new jewelry this Valentine’s Day, it’s a good idea to take a few minutes and think about something you probably don’t find exciting or romantic: insurance.

Don’t know where to begin? Don’t worry. At The Wurzel Insurance Agency, we think it is exciting to help our customers protect what’s most important to them — so we’re ready to help and can answer all of your questions.

Things to consider when insuring jewelry:

You may need to purchase additional coverage. Your homeowner’s policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. 

You might want to reconsider your deductible amounts. As always, this impacts your policy premium. It’s a good idea to take a look at your deductibles whenever you make a change to your policy.

Do you need an appraisal? You may need to have an independent evaluation if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value on paper.

What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether they’re safely stored at home or being worn on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can keep the cash settlement.

Photographs can be helpful. Lost or stolen pieces of jewelry can sometimes be recreated if the jeweler has a good photograph to work from.

Should I go with a company that specializes in jewelry insurance? Some insurance companies specialize in jewelry insurance, and we only represent companies that are reputable and stable. We’re happy to advise you on all the options available. 

Is the value of your jewelry mainly sentimental? Is an item irreplaceable? If the answer to either of these questions is “yes,” you might consider foregoing insurance. But please talk to us before making that decision. We’re here to help you assess what’s needed when it comes to insuring your valuables. 

Of course, it’s essential to store your jewelry securely when it’s not in use. A safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen — but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.

Here’s hoping your Valentine’s Day is full of fun and romance. And if there’s no jewelry involved, well, there’s always next year!