If I have collision insurance do I need to have comprehensive coverage

Auto insurance is something that is mandated by law, but only liability coverage. When you have a car loan, comprehensive and collision coverage will be required. Many people no longer have a car loan, and that brings up the necessity of reassessing your coverage. Most people understand what collision coverage is and the benefits it provides. Comprehensive insurance is much less understood, and you may be wondering if it is something that you need. At The Wurzel Agency in Oviedo, FL, customer service is what we are all about, and with our many years of experience, we can help you to understand what type of car insurance are right for you. 

Collision coverage protects your vehicle if you are deemed fully or partially responsible for an accident. It will provide the money to repair or replace your car up to the limit of your policy after the deductible is met. So what exactly does comprehensive insurance cover? 

Comprehensive insurance is frequently referred to as “non-collision” insurance. This is not wholly accurate. While comprehensive insurance does not cover a collision with another motor vehicle, it does cover collision with a large animal such as a deer or moose. As humans encroach on animal habitats, this is all too common an occurrence. It also covers weather-related events such as high winds and even flooding. High winds can send tree limbs flying onto your vehicle. Theft and vandalism are also covered under comprehensive insurance. Glass coverage is one of the most frequently used parts of comprehensive auto insurance; most policies will replace your windshield without a deductible. 

At The Wurzel Agency in Oviedo, FL, we understand auto insurance, and we are dedicated to making sure you get the right coverage for you and your vehicle. Give our office a call for a no-obligation quote. 

A Primer on Business Owner’s Policies

What Is a Business Owner Policy?

A business with a publicly accessible office or a storefront requires both property and liability insurance. Many insurance companies bundle these two types of coverage into a single policy referred to as a business owner policy (BOP). While it includes all necessary coverage, it typically sells at a premium that costs less than purchasing each policy type individually would.

While you can add coverage as needed to a BOP, the policy you receive has certain standard coverages. The average BOP offers four types of protection:

  • property damage
  • named perils
  • business interruption
  • liability

You can add to the BOP many of the variety of commercial coverages, including crime, fidelity, forgery, inland marine, spoilage of merchandise, etc. Some policies let you add the cost of operating out of a temporary location. The named perils usually include explosion, fire and smoke damage, wind damage, and vandalism. Depending on the area, some frequent storm types, such as tornado and hurricane, may be included.

Not all businesses in Oviedo, FL qualify for a BOP. The Wurzel Agency determines this based upon your business’ location, business class, location size, and annual revenue. If a business does not qualify, it may ask for special considerations providing that it meets eligibility criteria. Typically, small- to medium-sized companies purchase a BOP.

The buildings covered include both those owned or rented. It also includes additions and construction of additions as well as outdoor fixtures. Some BOPs not only cover your property but that of a third-party in your care or control, which means it features to a limited extent one of the components of inland marine insurance.

Contact The Wurzel Agency of Oviedo, FL today to learn more about BOPs and learn if your business qualifies. We can help you get started protecting your business today.

Home Insurance: Protect Your Biggest Asset With the Right Policy

Living in Oviedo, FL or the surrounding area can mean a beautiful location and a lot of great amenities close by. But while you’re enjoying life in the sunshine state, don’t forget to make sure you have the proper home insurance. The Wurzel Agency is here to help, with the homeowner’s policies that can meet your needs. You’ll want to be sure you’re covered for hurricanes and other events, along with the basic coverage you have on a home. In order to get the right level and type of coverage, you should work with a trusted agent who can answer your questions and ensure that your largest asset is being adequately protected so you can have some peace of mind.

Whether you have a mortgage company that requires insurance or your home is yours alone, it’s still a good idea to have a homeowner’s policy that’s thorough and complete. With the right level and type of coverage, you can feel secure that your home and family will be protected. It’s exciting to own a home, but it’s also a big responsibility. Fortunately, you have quality insurance agents on your side to make sure you’re getting the help and support you need. Feel free to ask us plenty of questions, too, so you can make an informed decision on your coverage levels and other considerations. We’re happy to help you be an informed consumer.

By reaching out to The Wurzel Agency today, you can get started on finding the right home insurance policy for your Oviedo, FL house. We know you have options for policy coverage, and we’ll be here to advise you so you can make a good choice you’ll be happy within the long run. It’s also a good idea to review your policy at least once per year to make sure everything’s up to date. Sometimes when life situations change, this means a change in coverage should happen, as well. Contact our office to have your questions answered.

Why should I get a renters insurance policy?

Living in a rental property is common for a lot of people in the Orlando or Oviedo, FL area. When you do move into a new apartment or rental home, you need to make sure that you handle all of your responsibilities. Part of this is finding a quality and reliable renters insurance policy. There are several reasons why you should get one of these insurance policies when moving into a new rental unit. 

You Want to Comply with the Lease

The first reason why you should want to get a renters insurance policy is that you will want to comply with the terms of the lease. Having a renters insurance policy is good for the tenant and the landlord. Due to this, it is undoubtedly going to be required at all times. If you do not have it, you could face a variety of issues due to lease defaults.

You Want to Have Coverage

Another reason why you will need to have a renters insurance policy is that you will want to have your property covered at all times. A renters insurance policy gives great coverage including protection for your personal assets and liability. Having this coverage at all times is quite important. Due to this, you should never allow it to lapse. 

When you are in need of a renters insurance policy, you should contact the team at The Wurzel Agency. For those that are in the Orlando or Oviedo, FL area and need a renters insurance policy, The Wurzel Agency can help you understand all of your needs and options. Based on this assessment, we can then help you find a policy that provides you with the right type and level of coverage. Contact our office to get started with a quote.

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. 

The Importance of Taking a Motorcycle Safety Class

If you own a motorcycle, safety should always be one of your highest priorities. Whether you have ridden for one month or 30 years, it’s crucial to stay up to date on all of the motorcycle laws in Florida and also learn about new safety maneuvers that are being introduced. Agents at The Wurzel Agency serve motorcycle owners throughout the Oviedo, FL area, as well as many of the surrounding communities. We can also help you find details about where motorcycle safety classes that are being held in your area. 

Better Understand Motorcycle Laws

A motorcycle safety class will give you valuable information on the laws that are in place in the state of Florida. In Florida, you do not have to wear a helmet if you are over the age of 21 and have the required amount of medical insurance. With that being said, it is vital that you know the laws of the road and abide by them to minimize your risk of an accident.

Learn How to Handle Your Motorcycle Safely

The purpose of a motorcycle safety class is to teach you how to ride safely in a variety of situations. You will learn various maneuvers and techniques that are designed to keep you and your passenger as safe as possible while you are riding along Florida’s highways.

If you are interested in learning more about motorcycle insurance and motorcycle safety classes, call and schedule an appointment with one of the agents at The Wurzel Agency. We serve people from Orlando to Oviedo, FL, and many of the surrounding communities and are ready to give you the answers you need. Call and talk to an agent today!

Why should I get insurance for my boat?

The Oviedo, FL area is a great place for people that enjoy being outdoors during the hot summer months. For those that own a boat in this area, there are countless opportunities and places to enjoy it. If you are going to buy a boat in this area of Florida, it is vital that you get it adequately covered by insurance. There are several reasons why you should get boat insurance. 

Protects Your Boat

One of the main reasons to get boat insurance is that it will protect your boat. A boat is a major purchase and investment that you need to take seriously. A boat insurance policy will help to protect your boat in many different ways. If your boat is stolen, damaged in an accident, or you experience a variety of different losses, your boat insurance policy will provide you with coverage.

Requirements

For many boat owners, having boat insurance is also a requirement. If you took out a loan to buy the boat, the lender is going to require that you have insurance to protect their collateral. Additionally, there are certain marinas and other waterways in the area that are going to request that you have boat insurance to ensure you can pay for damages if you cause an accident. 

If you want to own a boat in the Chuluota or Oviedo, FL area, you need to make sure that you get proper boat insurance. One of the best ways that you can do this is by getting a full boat insurance policy. When you want to get boat insurance, contacting the team at The Wurzel Agency is a great choice. The Wurzel Agency can help any boat owner find a policy that provides the right type and level of protection. 

How is condo insurance different from home insurance?

Owning a condo in Oviedo, FL puts you in the perfect place to enjoy Central Florida. Located just 35 miles northeast of Disney World and 30 miles from sandy Atlantic beaches, you have an ideal location. But, like owning any home, a condo in Oviedo comes with plenty of worry and things that you need to care for. Condo insurance may be something that you know little about, and how it is different from home insurance may be confusing. The knowledgeable agents at The Wurzel Agency are ready and able to answer any questions that you may have. 

The significant difference between home insurance and condo insurance is that home insurance includes the entire home, inside and out. Home insurance covers the main structure, exterior attachments like a garage or deck, and also any other structures in your yard such as a shed, detached garage, or casita. When you own a condo, the condo association will have a master policy that covers the exterior of the building. This includes the roof, walkways, common areas like a pool or a gym, and the parking lot. They repair or replace wear and tear and also damage caused by covered perils. Their insurance, however, does not cover the interior of your unit. 

Condo insurance covers your personal property and also offers liability coverage. With a quality condo policy, you will also be covered for loss of use if the condo is damaged so severely that it is not habitable. It will pay for you to stay somewhere else until your unit gets the okay for you to move back in.

If you are a new condo owner or are considering changing your condo insurance coverage, The Wurzel Agency in Oviedo, FL is happy to talk to you about the perfect coverage for your unit. 

3 Tips for Buying Umbrella Insurance in Florida

Umbrella insurance is added on the insurance that kicks in when your traditional policy runs out. It’s a vitally important piece of insurance to have since it gives you peace of mind by knowing that whatever happens, you’re covered. If you’re considering purchasing an umbrella insurance policy in Oviedo, FL, here are three ways to get the best policy for your needs and save money in the process.

1. Work with a Reputable Agent

Your first step should be to connect with a reputable, friendly agent. Trying to navigate the maze of insurance policies can prove challenging when you’re doing it on your own. However, with the help of an insurance agent, you will better understand what each policy has to offer and at what price.

2. Compare Several Quotes

You and your agent will compare several umbrella insurance quotes to find the best one for your needs. This is the perfect time to ask questions and get clarification and guidance. An insurance agent from The Wurzel Agency can help you with this.

3. Bundle Your Policies

Your insurance agent will also assist you in bundling all your policies under one insurance carrier to save money on your premiums. You can stay with your existing carrier or switch to a new one for added savings and excellent coverage. This is one of the easiest and quickest ways to save money on insurance.

To learn more about umbrella insurance, why you need it, and the best approach to purchasing a policy, contact The Wurzel Agency today. We serve the Oviedo, FL area and are standing by to help you get maximum coverage with the right umbrella insurance policy at the right price.

 

3 Reasons to Consider Flood Insurance

If you own a home in Florida, you should definitely consider flood insurance to protect your property. The high risk of flooding from hurricanes and tropical storms makes this coverage well worth your while. With flood insurance from The Wurzel Agency in Oviedo, FL, you can recover much quicker from a flood disaster. If you’re still on the fence about purchasing this coverage, consider the following flood facts.

Floods Can Cause Substantial Damage

Flooding can happen quickly and with little warning, leaving you with thousands of dollars’ worth of damage to your home, not to mention the loss of belongings. It only takes an inch of floodwater to cause structural damage to a home. If floodwaters rise to 3 inches, you may need to replace carpets, wood flooring, baseboards, furniture and more.

Floods Can Occur Anywhere

Floods can occur anywhere, not just in high-risk areas. Florida is known for its heavy rains, tropical storms and hurricanes, which puts Florida homeowners at high risk of flood damage. Adding flood insurance to your existing coverage can give you peace of mind that your home and goods are protected against this disaster. It’s better to be safe than sorry when it comes to protecting one of your most valuable investments.

Flooding Isn’t Covered by Standard Home Insurance Coverage

Standard homeowner’s insurance doesn’t cover flood damage. Your home insurance will protect you from rainstorm damage if your roof leaks and water enters your home. It also includes damage from leaky plumbing. If heavy rains cause flooding and floodwaters wreak havoc on your home, you’ll be responsible for the cost of repairs unless you have flood insurance.

The good news is that flood insurance is affordable, putting it well within your reach. To learn more about flood insurance coverage and costs, contact The Wurzel Agency, Oviedo, FL.