Author Archives: Florida Insurance Quotes LNC

Shopping for a new home is an exciting time for many Floridians, but few know that the home they choose could make or break their home insurance rates.

Whether you’re searching for an already built home or planning to construct one from the ground up, there are some important factors to consider before you purchase your dream home.

How Old Is It?

An older home may be charming and filled with snippets of Florida’s history, but it can also cost more to insure. This is because older homes tend to develop problems more often than newer ones. If you choose to purchase an older home, you can help reduce your home insurance rate by making renovations designed to prevent common problems associated with electrical wiring, plumbing, roofing, and foundation. Before starting any renovations, consult with your home insurer to make certain.

Additionally, many Florida home insurance companies offer discounts for purchasing a new home because new structures are generally built with the latest safety codes. In 2001, the state implemented the Florida Building Code, which was designed to protect lives, help reduce property losses in a major storm, and provide a guide for home insurance companies to determine rates.

Improvements under the Florida Building Code include:

• Better structural design requirements to withstand greater wind pressures in South Florida and most coastal areas
• Wind-borne debris protection required on windows in all coastal areas and South Florida
• Improved roof covering systems requirements
• Approval system that ensures that products comply with wind resistance and impact resistance requirements
• Improved window performance labeling requirements

A 2005 study conducted by the University of Florida revealed that homes built in 2002 or later sustained less damage from hurricanes than homes built between 1994 and 2001 under the Standard Building Code. Homes constructed prior to 1994 fared even worse.

The study found that shingle-roofed homes built under the Florida Building code experienced less shingle damage than homes built under the 1994 code. This is critical in hurricanes because loss of too many shingles can compromise the roof and allow rain to enter the home.

The study also discovered that none of the homes built after the requirement for reinforced garage doors sustained significant garage door damage. Meanwhile, garage doors on most homes built prior to 1994 were blown off their tracks, which allowed wind to enter the house and undermine the integrity of the roof from inside.

What Building Materials Were Used?

The materials used to build your home can also influence your home insurance rate. For example, it’s more expensive to insure a wood frame home than one constructed out of brick. Homes made out of wood materials are more prone to fire and wind damage, making them a greater risk than brick homes that are built to withstand these types of hazards.

Hip Roof vs. Gable Roof: What’s the Difference?

The roof is your home’s first line of defense against wind, hail, wildfire, and other hazards, and it is considered the most important part of a house to home insurers. Once a home’s roof is breached, it increases the risk of more serious damage claims. This is why the shape of a home’s roof plays an important role in determining homeowner’s insurance rates in Florida.

Let’s take a look at the most common types of roof shapes – hip and gable

Where Is the Home Located?

Where is the Home Located?

Location significantly impacts homeowner’s insurance rates. Florida’s relatively expensive homeowner’s insurance rates can be attributed to the moderate to high risk of hurricanes, floods, and sinkholes throughout the state, and coastal homes may pay higher premiums to compensate for the elevated risk. Consider distance to the shore as you factor in possible insurance costs.

On the contrary,if your home is located within five miles of a fire station or 1,000 feet of a fire hydrant, your home insurance premium may be lower. Take a moment to determine the distance between your house and these features and provide them to your insurance agent.

What Features Are Included?

Certain features of your home can increase your insurance rates, while others are eligible for discounts.*

Features That May Increase Insurance Rates

Inground swimming pool
Hot tub
Custom decorative features
Extensive landscaping
Fireplace or wood-burning stove
Deck

Features That May Decrease Insurance Rates

Alarm system (burglar and/or fire)
Gated entrance
Wind mitigation

*Not all homeowners insurance companies offer the same discounts or use the same criteria to evaluate whether or not a home is eligible for discounts.

11 Naples Florida Car Insurance

February 2, 2019

Florida Insurance Quotes LNC

Car Insurance FAQs | Car Insurance Florida Naples No Comments

Are you overpaying for your car insurance? Do you think you could get a better coverage for less money?

If the answer to the above questions is in the affirmative, then read on. We can help!

LNC Insurance Providers has been serving the sunshine state for over a decade. We have great rates on auto insurance, truck insurance, motorcycle insurance, commercial auto insurance and more! With offices in both Miami and Naples, as well as satellite presences throughout Florida, we are committed to helping you find the best rates without having to compromise on the quality of coverage.

If you are looking for a Car Insurance Quote, then all you have to do is follow the instructions below.

We can deal by phone, emails, or you can come by to say hello and meet us for an informative chat. We are confident you'll be happy you did.

GET A QUOTE

CALL: 1 (239) 431-3515

We have access to Discounts and Special Program Offers

Safe Driver Multi Line Discount
Smart Driver
Student Driver
Good Driver
Accident Free Driver

Our address in Naples:

660 9th Street North #35A, Naples FL 34102
Phone: 239-431-3515

What makes our agency stand out from the competition?

We don't just specialize in affordable, cheap car insurance in Naples. We are a family owned and operated insurance agency and we pride ourselves in offering the very best customer service. We can also provide you with the most competitive car insurance quote Naples.

Who do we work with?

As an independent agency, we only work with A+ Insurance Carriers

The Hartford
Zurich
Starr
Metlife
Progressive
Hiscox
Liberty Mutual

Everything you need to know about car insurance in Naples?

There is a reason why Naples is such a lovely place to call home. Nested along the Gulf of Mexico, this area of Southwest West Florida features some of the most breathtaking vistas and beaches in the land. In fact, Naples has become such a trendy destination for people who want to part take in its lifestyle that over the years, traffic has become an issue, particularly during peak tourist times when it can become downright congested. As such every driver should be prepared with a comprehensive Naples car insurance policy.

If you are a Naples driver looking for cheap auto insurance, then we can definitely help. Call us for a friendly chat and let us work out a policy that offers you the most coverage for a price that fits your budget. Protect yourself, your family and others against Naples modern driving risks.

Here are some information you might want to consider:

The national average cost per year for auto insurance is $1,311
In Florida, this figures goes as high as $1,742
Making Florida the fifth most expensive state in the US for auto premiums

Florida Car Insurance: What are the requirements?

Auto insurance is mandated by law in the state of Florida. Minimum coverage starts at $10,000 (individual injuries), $20,000 (total injuries) and $20,000 (resulting property damage).

The above are the strict mandated minimums as required by law. It is just a starting point and your car insurance policy should be broader than that. As a result, there are a number of options for extra coverage and it is important to realize that analyzing these extras with the right people can save you thousands of dollars every year.

GET A QUOTE

CALL: 1 (239) 431-3515

Uninsured motorists in Florida. One of the reasons for high auto insurance premiums

For some reason, Florida has the in-enviable distinction for the highest number of uninsured drivers at 23.8 % compared to the national average of 12.6 %

Number of auto thefts in Florida

Florida fares better than the rest of the nation in terms of car theft at 2.48 for 1,000 vehicles compared to 2.94 elsewhere.

When we buy a new car, auto theft rarely crosses our mind as a possibility that we might have to deal with. We think about other risks such accidents, vandalism etc... but theft is seldom something we focus on. Perhaps this is borne by the numbers as 2.48 cars are stolen for every 1000 cars and the odds of us featuring in that number are pretty poor. Nevertheless, it is important to secure a policy that includes total coverage for auto theft in the car insurance plan.

Take action now. Find a great Naples Car Insurance Policy

Finding a Naples car insurance package that offers the maximum protection for the least amount of money is easier said than done. But we can help by finding you the best coverage at the most affordable price. Our Florida based agents have an expertise in the car insurance market throughout the sunshine state of Florida and we can bring that expertise forward and help you in your quest.

GET A QUOTE

CALL: 1 (239) 431-3515

11 Cheap Car Insurance Tampa, Florida

December 19, 2018

Florida Insurance Quotes LNC

FAQs | Car Insurance Florida Car Insurance No Comments

We can help you find the cheapest car insurance in Tampa, Florida

I'm Liz, and I specialize in matching our agency's customers with the best and cheapest car insurance quotes in Tampa and all across our great state of Florida. Of course, we don't just provide the best rates on cheap car insurance policies, but we also provide coverage for a range of insurance services including homeowners, commercial, bikes, boats and more.

If you have been on the lookout for a cheap car insurance, one that fits your car insurance needs in Tampa, Florida, then I can personalize an auto insurance quote for you today.

Of course, the rate we can get you will depend largely on various factors which are not always under our control. For example, credit score, age, gender, marital status etc are all factors that insurance providers will assess when looking at writing a policy for a driver.

We live in the era of online shopping where finding a car insurance is, at first glance, an easy task. The logic is simple: you pick up the phone, dial the toll free number of one of the major insurance providers in the nation, find the insurance coverage that you need. In the real world, though, the reality is somewhat different as those "easy" phone calls are a little more challenging than we might have thought and the "agents" we speak to don't always have any expertise in the insurance industry as a whole, let alone in Tamp, FL.

Serious shoppers know that the one phone call is never sufficient to form an accurate opinion of what the options are so the message is clear: Make multiple phone calls, talk to multiple companies, take copious notes and spend time you don't have, use an expertise you might not necessarily possess to analyze and compare the insurance quotes you will have been given in the process.

Indeed, finding a car insurance policy that meets your need is a whole lot more challenging than that. It's not impossible, but chances are you could save yourself a lot of your valuable time and money, on an insurance that is actually tailerd to your needs by calling our agency.

Let us do all this work for you and the cool thing about putting us to work on your behalf is that you would end up saving a bunch of money in the process.

Here is what you need to remember about Tampa.

When it rains in Tampa, it doesn't just rain, it pours. Particularly during the summer months, which also happen to be the time of year most favored by hurricanes.

Rain and the weather affect the way people drive and you'll need to remember that when you are on the road.

Which leads nicely to the safety laws and requirements in Tampa.

Seat Belt Law: Yes. Tampa may be one of the coolest cities in the world, but driving without a seat belt is not only not cool, but it is actually against the law. In Florida, front seat passengers must fasten their seat belt, and so do passengers under the age of 18. Children of 5 and under must be secured in a child restraint device, a separate carrier, a child seat or a child booster seat. If you are the driver of a vehicle and one of your passengers, or yourself, do not comply with the above law, you will be held accountable.

What about using the phone and or texting...

The national Safety Council reports that cell phone use while drive leads to 1.6 million crashes each year. These accidents are responsible for over 390.000 injuries per year. 1 out of every 4 car accidents in the United States is caused by texting and driving.

Beyond any cost consideration on the subject of Car insurance in Tampa, using your phone while driving is dangerous. And could affect your premium if, subsequent to a car accident, the cause of said accident is perceived to be the use of a phone while driving.

Everybody knows it, but every day, people drive under the influence

So what does that mean in Florida? Well, first know this: drivers of the age of 21 and be charged under the DUI law if their blood alcohol concentration (BAC) is 0.08 percent or more.

How do you get to 0.08%?

• For a person who weighs 100 lbs., it will take about three drinks an hour to reach a .08 BAC.
• At 140 lbs., it takes about four drinks an hour to reach a .08 BAC.
• At 180 lbs it takes about five drinks an hour to reach a .08 BAC.
• At about 220 lbs it takes around six drinks an hour to reach a .08 BAC.

Knowing what to look for and how the various options available to drivers in Tampa compute can help you make sure that you are making the right choice when choosing car insurance coverage. You can fill our online auto insurance form to find a free comparison of different auto insurance quotes and various rates from the top companies in Tampa, FL, or you can continue reading to learn more about finding the cheapest rates in this area. To get started, make sure you check this page: Auto Insurance Florida. Want to get started immediately? Why not call us now.

If the cheapest car insurance coverage is what you need, my advice to you is to make sure that the policy meets with Florida State requirements. As such, make sure you deal with a knowledgeable agent who is familiar with the Florida market and knows of the conditions that make the perfect cheap car insurance possible.

We can help you find cheap auto insurance by comparing various car insurance policies as offered by the top A+ insurance providers we deal with. We match drivers with cheap care insurance in Tampa all the time, and we want to do the same for you.

Cost of Car Insurance in various Tampa Neighborhoods.

Of course, we cannot hope to provide you with all the information you need for the selection of the perfect insurance for your automobile in one article, that's why we advise you to call us for a comprehensive and free car insurance quote, but we will attempt to address some key issues related to cost.

To do so, we have selected 3 separate zip codes areas in Tamps so that you may have an idea of what you might have to pay. These 3 zips codes have been selected as we feel they are representative of what the auto insurance market in Tampa is like:

33647 (New Tampa)
33605 (Downtown Tampa
33611 (South Tampa)

The reality of price differences between densely populated urban areas and areas that are less so is particularly true in the case of Tampa. Indeed, residents in Downtown Tampa pay 15-18% more on their insurance premiums than their neighbors in New Tampa and South Tampa.

Downtown Tampa Car Insurance Rates

Tampa's business hub, Downtown Tampa is home to 7000 residents and this number has proved to be an ever growing statistic in recent years as the city has experienced a certain boom and definite growth. If you are looking for an auto insurance coverage, expect to pay premiums of $1,935, or $160 per month. If you are a 30 year old single male the monthly price is expected to be between $70 and $230. . Price largely depend on age, status, gender etc... For example, a married couple of over the age of 60 years old pay between $75 to $195 per month while a 21 year old single female would be looking at anything between $105 and over $300. If you live in and do business in Downtown Tampa, make sure you check our Business Owners Insurance.

New Tampa Car Insurance Rates

An area of 24 sq/mi in the northern part of Tampa, this part of the city has accounted for over 50% of Tampa's growth in recent years. Again, auto insurance premiums vary according to age, gender and other factors. Cheaper than their city dweller neighbors of Downtown Tampa, here, the annual auto insurance premiums is estimated at $1675. Single males, 30 years old pay an average of $69 to $229 per month. Sixty year old married couples pay $79 to $197 per month and a 21 year old single female can be expected to pah between $100 and $290 per month.

South Tampa Car Insurance Rates

Tucked between Hillsborough Bay (to the west) and Tamp Bay (to the east), in terms of cost, South Tampa sit between Downtown Tampa and New Tampa.

The average insurance rate across demographics for South Tampa is $1,605 per year or $133 per month. If you are a 30 year old single males, your rates will vary between $75 and $210. Sixty year old married couples will pay between $71 to $175 per month, and 21 year old females can expect to fork out $100 to $270 each month.

We always strive to find you the cheapest car insurance policy around, (from any-one of the carriers we trust), and trim the policy down to its bare minimum so that you do indeed pay the cheapest possible price, but our experience is that cheapest doesn't always mean you save money in case of an accident.

When choosing an affordable car insurance policy, we explore the options as offered by our carriers and drill down the different layers of protection and how some might remain a must have in any combo you choose. Ultimately, we work for you and it is possible to trim down a policy to its bare minimum.

In summary, the cost of a car insurance policy in Tampa, FL varies from carrier to carrier, from the options you select for yourself, the type of policy and other factors such as:

Your gender
Your age
Your credit score
Do you have at-fault accidents or tickets.
Make, model and year of the vehicle.
Which neighborhood your live in.

We provide cheap insurance Tampa policies designed to give you and your family the best combination of price and features. We show you how to earn various discounts as offered by carriers, and we help you find your way through the maze of how, by becoming a safer, more responsible driver, you can lower your premiums ever further.

What about young drivers in your household

Young age is thrill a minute and young folks live in a world of wonderful discoveries and possibilities. They are also at a stage where learning is paramount in their young life. Youth and experience comes at a premium when it comes to auto insurance but keeping high grades can help lower these premiums. Call us for tips and ideas on the subject.

How can you save even more

Just like other Florida cities, car insurance rates in Tampa, FL are largely dependent on a number of factors, as mentioned above.

Driving habits
Length of a person's commute
City vs Highway driving
Safety history
Past speeding or traffic violations tickets.

An analysis is drawn based on the above (an more) factors in order to computer a rate that is applicable to your own circumstances. This analysis is conducted by the carriers themselves in order to determine the risk ratio for drivers. It's a rather complicated algorithm but don't worry: we will provide answers to all the questions you might have.

In Tampa, just as in any city across Florida, location is a determining factor in computing auto insurance rates. The crime rate of a particular neighborhood, it's driving condition and historical data on accidents will all be taken into consideration.

And of course, there is credit score of an applicant The better your score is, the higher your odds are in securing a cheaper car insurance then in other cases.

One quick and easy measure to implement if you want an ever more affordable premium for your car is to equip your car with an alarm and or anti theft device.

The most expensive zip code for Florida car insurance: FL 33607

An average of $625 more than in other zip codes. Of course, as we alluded above, cost of a car insurance policy doesn't depend exclusively in the location, but things being equal, drivers fro the 33607 area pay more.

For the cost conscious drivers, the cheapest car insurance in Tampa can be obtained by abiding to the minimum car insurance requirements as mandated by Florida law. Indeed, Florida car insurance laws dictate that a car insurance polity must have a $10,000 in property damage liability and $10,000 in personal injury protection (PIP).

Bodily injury liability in Florida is not required but we highly recommend it. This optional provisions pays for injuries caused to others in case of an accident for which you responsible. (Florida is a no-fault state).

Want to see how this zip code compares with others? Here is how:

Zipcode	Average annual rate	Highest rate	Lowest rate
33607	$2,591	$4,512	$1,464
33603	$2,584	$4,443	$1,464
33615	$2,561	$4,362	$1,464
33634	$2,561	$4,362	$1,464
33602	$2,548	$4,512	$1,464
33605	$2,534	$4,443	$1,464
33604	$2,512	$4,443	$1,464
33637	$2,346	$3,930	$1,464
33633	$2,214	$3,470	$1,464

Best Car Insurance in Tampa

Any car accident has the potential to put lives at risk. But even a minor accident can affect your savings and put your home in jeopardy in more ways then the average driver would care to consider, particularly if you only carry the state minimum coverage requirements. Protecting our customers assets is a consideration we always put forward and our recommendation is that you purchase liability insurance in the following amounts:

$300,000 to pay for injuries to others in any accident you cause
$100,000 to cover other parties' medical bills.
$100,000 to pay to damage to other parties' property damages.

We also recommend a comprehensive coverage which replaces stolen cars and provides protection to damages to your car in the event of floods, vandalism and fire.

Car insurance rates in Tampa, FL, like in most places in Florida are for ever evolving. As such, companies offer incentives which you might want to consider when deciding to renew your car insurance policy when the time comes for its yearly renewal. Call us now to find out how we can match you with an insurance estimate Tampa by helping you take advantage of a dozen or so options designed to save you money.

11 Cheapest Car Insurance in Boca Raton, Florida

November 14, 2018

Florida Insurance Quotes LNC

Florida Car Insurance No Comments

We can help you find the best rates for car insurance in Boca Raton, Florida

I'm Conrad, owner and operator of a leading Boca Raton Insurance Agency. If you live, work and play in Boca Raton, and you are looking for low rates on car insurance then you owe it to yourself to call me or any one of my licensed agents.

And don't think that low rates (or cheap) means having to compromise on the quality of coverage and the super friendly assistance of agents who care about your needs! Nothing could be further from the truth. We can match you with the right insurance for your vehicle and it would be our pleasure to assist you.

We work with the leading A+ rated insurance carries and specialize in the Florida market exclusively.

We can assist you with not only car insurance, but motorcycle, truck and other forms of insurance as well. We've been helping people throughout Florida for over a decade. If you are looking for a car insurance quote in Boca Raton, call us now.

Finding the right auto insurance is not as easy as it sounds. Of course you could call every insurance carriers in the land, find out if they cover Boca Raton in Florida, compare rates and the various car insurance options they offer, and get closer to an answer that may, or may not, meet your needs. You will have spent countless frustrating hours, jumping from one agent to another, and overwhelmed with frustration might even settle on a car insurance quote that may not even what you really need.

Or you could let us do all this work for you and the cool thing about putting us to work on your behalf is that you would end up saving a bunch of money in the process.

It is important to remember that drivers are required to carry automobile insurance in Florida, and rather than to settle on any policy for the sake of complying with the law, you could instead let us help you find the right policy for your vehicle. Since not every car insurance policy covers the same things, comparing the terms of the policy and the price of the policy are indeed the things you should consider to ensure that you are choosing the right policy.

Knowing what to look for and how the various options available to drivers in Boca Raton compute can help you make sure that you are making the right choice when choosing car insurance coverage. You can fill our online auto insurance form to find a free comparison of different auto insurance quotes and various rates from the top companies in Boca Raton, FL, or you can continue reading to learn more about finding the cheapest rates in this area. To get started, make sure you check this page: Auto Insurance Florida. Want to get started immediately? Why not call us now.

We often get asked the following questions:

So how do you go about finding the right auto insurance policy
Are all car insurance policies the same?

The answer to the first question of course would be to call us and let us help you. As for the second question, if your assumption was that all policies are indeed the same, then the truth of the matter is that you would not be entirely right. Most people look for insurance they can afford, and may sometimes base their decision on the how the coverage would cost them. (Price).

While we can definitely help you find the cheapest car insurance policy around, (from any-one of the carriers we trust), and trim the policy down to its bare minimum so that you do indeed pay the cheapest possible price, this would not necessarily be the best option. Not because you want to save money, but because doing it in that specific manner may end up costing you a whole lot more in the long term. When choosing an affordable car insurance policy it is important to remember that carriers offer many different layers of protection. Analyzing these options and determining (with you) which ones are essential to you, can make a huge difference to your bottom line. And we can ensure you avail yourself of the best offers by taking advantage of the various incentives and discounts insurance companies have.

In summary, the cost of a car insurance policy in Boca Raton, FL varies from carrier to carrier, from the options you select for yourself, the type of policy and other factors such as:

Do you have at-fault accidents or tickets.
Make, model and year of the vehicle.
Which neighborhood your live in.

As stated above, finding a suitable car insurance company in Boca Raton, FL largely depends on the coverage you want to choose for yourself. The options are such that it is possible to design a policy tailored to your specifications exclusively. When you call us, we will discuss your specific needs and incorporate them in a policy that will be twofold:

Affordable
Effective

In order to do so, we will need to analyze your driving habits and take into consideration the are in which you drive. Auto insurance policies are often based upon the length of a person's commute, city vs highway driving, safety history (or lack of) of drivers, past speeding tickets or traffic violations etc.

This type of analysis will also permit the agent to draw as accurate a profile as possible for drivers, determine whether they are hid level risk or not and it this determination will play an important role in the assessments of coverage needs. High risk drivers will be advised to carry more coverage than others as these additional options will offer more protection in case of accidents or when an emergency occurs. We often recommend our high risk drivers to consider an accident forgiveness policy, particularly when they are prone to vehicular accidents of other forms of crashes.

Where you live in Boca Raton, FL will also affect auto insurance rates as location can affect driving environment. Insurance companies take a careful look at driving conditions in order to assess a particular neighborhood safety data. Risk of theft, residential street parking as opposed to garage parking all play a role in the eyes of the insurance company. So do other factors such as a driver's credit score, or the presence in a vehicle of an of an alarm or anti-theft device

When comparing insurance quotes in Boca Raton, FL. you'll undoubtedly want to take your budget in consideration. In some cases, budget is the only consideration particularly when a driver is on a tight budget. If at all possible though, sacrificing price for the sake of finding the cheapest car insurance to the detriment of better protection would be detrimental in the long run. Car accidents can have unforeseen consequences and being better protected is the best way to prepare oneself for such eventualities. Like in most walks of life, when it comes to auto insurance, you often get what you pay for.

We couldn't finalize this chapter without mentioning the reliability of the insurance carrier. This of course would not be an issue if you were to let us handle your insurance needs as we only deal with top rated car insurance companies. If ever you were in need of an intervention from your insurance company, you owe it to yourself to ensure that you will receive the protection you have purchased. The right kind of customer service, and a reputation based on actual customers.

Of course, this is where we come in. Having provided you with your list of options, and explained the pros and cons of each one of these extra layers of protection, we will match your choice with your budget and recommend the most suitable auto insurance company in Boca Raton, FL. Our friendly agents are standing by to answer any question you might have. They will provide you with all the information you need, drawn from multiple insurance companies so that you may make an informed decision.

With all this data at your disposal, you will be able to narrow your own criteria of selection down to your very own requirements, needs and budged. This process allows our customers to filter all the information available to them and enables them to find the cheapest car insurance in Boca Raton, FL.

Car insurance rates in Boca Raton, FL, like in most places in Florida are for ever evolving. As such, companies offer incentives which you might want to consider when deciding to renew your car insurance policy when the time comes for its yearly renewal. Call us now to find out how we can match you with an insurance estimate Boca Raton by helping you take advantage of a dozen or so options designed to save you money.

As residents of Boca Raton, FL, drivers are required to carry car insurance. It's the law and driving without an insurance could land you in a heap of problems, too numerous to list here. People sometimes think that even though they cannot afford car insurance they need their car to drive (to work for example) and thus take the risk of driving without insurance. This excuse would earn you very little sympathy in a court of law, especially since we can help you find an insurance you can afford. Carrying an auto insurance will offer you the financial security that you will need should you get involved in an accident. Request your Free Boca Raton Fl Car Insurance Quote today.

11 Home Insurance Estimate Orlando

November 2, 2018

Florida Insurance Quotes LNC

Florida Homeowners Insurance No Comments

Orlando Home Insurance Estimate

LNC Insurance Providers is a leading Home Insurance Estimate Orlando agency in Florida. If you are looking for a top insurance company, then you owe it yourself to contact us today. There was a time when insurance agencies were family owned and operated and then one day, large corporations swept in and began to clear the field. Back then, if you needed home insurance in Orlando FL, all you had to do was to head over to your local insurance agency and that was it. Over time, the insurance industry has lost that personal touch that we all loved, and online insurance quotes are the way most people shop. But there are a few exceptions, particularly in Orlando FL: some agencies still retain that concierge touch while offering the same level of sophistication and technology. We are one of those. To obtain the best Home Insurance Estimate Orlando we, at LNC Insurance Providers can help. Constantly rated 5 stars in various review platforms, we can help you with your needs. Please contact Conrad, Liz or any one of highly qualified insurance agents and obtain the home insurance your need.

As one of our many customers in Orlando FL, our target is to provide you with the type information you need in order to make an informed decision. No matter the goods or services we are interested in, it is always a good idea to research the various offers out there, and the same goes for the insurance industry. Of course, you could call each one of the most important insurance providers we deal with, and do this research for yourself, or you could leave that to us. We are one of Orlando FL top agencies because we deal with the best insurance providers. Over the years, and the thousands of customers in Florida, we have acquired an intimate knowledge of the realities of each market. More importantly, we leave in Florida. That means that we don't read from scripts. We advice from experience. When it comes to home insurance estimate in Orlando FL, we have a unique understanding of what you really need, vs what others want to sell you.

If you own your own home in Florida, live in a condo or rent an apartment in Orlando, we can find you the insurance coverage you need.

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Condo Home Owners Insurance Estimate Orlando

"Should I even bother to get a home insurance quote if I am a renter?" If ever there was one recurrent question from our customers throughout the years, this one would be it. People often think that as renters, it is their landlord's responsibility to provide home owner insurance coverage and as such, tend to neglect it. The fact is that while landlords do carry specific insurance coverage for their assets, these do not offer homeowners insurance protection. The same can be said about condo owners as they too may assume that their condo association will also have coverage of this type.

Finding the right Condo Insurance in Orlando FL is the right thing to do, whether you are an owner or a renter. The right insurance policy can protect your investment in ways that cannot be equaled in today's market. Some people often ask us if you should get a home insurance estimate whether you're a homeowner, a renter, live in a condo etc.. and the simple answer to that question is yes! Definitely. Likewise for condos in Orlando FL. Indeed, as a top rated insurance agency in Florida, we have access to a range of Orlando FL insurance quotes that will put your mind at ease in the knowledge that will have found the best protection for your assets at a very competitive price.

We have done the homework, found the best options for our customers. Now all you have to do is call us.

LNC Insurance Providers: We Specialize in
ALL TYPES OF INSURANCE POLICIES

Boca-Raton
Homeowners Insurance

Boca-Raton
Condo Insurance

Boca-Raton
Auto / Car Insurance

Boca-Raton
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11 Business Insurance Quotes Florida

May 17, 2018

Florida Insurance Quotes LNC

Commercial Insurance No Comments

Florida Small Business Insurance Quotes

Are you wondering how to get an affordable Business Insurance Quotes Florida? The answer to that question might not be as straightforward as we would like it to be. However when it comes to protecting your business against potential legal liabilities please find below the 8 insurance plans your business should have.

Get Your Florida Insurance Quote Now

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If you live and work in Florida, then you already know that the sunshine state is more than a paradisiac vacation destination. It is a growing hub of business, which serves as the connecting point for Europe and South America markets.

It is also a place which has seen more than its fair share of fierce and often destructive weather systems. These can (and have) devastate personal and commercial properties.

General Liability Insurance

This insurance protection, while dependent on several factors, is actually required in Florida. It offers coverage and help defend against third party property damage claims. These might include bodily injury suffered because of services and or products provided by the company, for both customers and business employees. Take the next step and ask us for a Business Insurance Quotes Florida.

Commercial Auto Insurance

If you operate a vehicle for business, be it as the sole driver or the owner of a fleet of vehicles, commercial auto insurance is actually required for Florida businesses. Most importantly, this specialized commercial insurance covers all vehicles used for and by your business, including trucks, company cars, SUV's and Vans. Even if your employees use their own car for their work, you should consider carrying a non-owned liability coverage in case an employee drives a car without insurance. Click here for more information on how we can help you with and Auto Business Insurance Quotes Florida

Business Owner's Policy

This is a bundled policy which provides all state required coverages in one single package. Therefore, it is ideal as a business insurance in Florida and can be tailored to fit the particular requirements and realities of you business. Besides that, you can find great deals out there, and more importantly by contacting us for a Business Insurance Quotes Florida.

Worker's Compensation Insurance

Also known as workman's comp, this is one business insurance your company cannot do without as it is mandated by the state of Florida. This policy provides medical benefits and partial wage replacement for employees who suffer injuries whilst working. The added benefit of this insurance cover is that employees who accept the benefits provided by the policy also agree not to take legal action against your company.

Officer and Director Insurance

An insurance coverage that protects your business in case of monetary losses or damages caused by a director's, company's officer's or manager's actions. If said actions lead to a lawsuit, the policy will also help with legal defenses.

Professional Liability Insurance

This is one of several very important business insurance in Florida. A professional liability insurance provides protection against damages and or injuries that occur as part of the day to day running of a business. This policy will also help with legal bills if a lawsuit is initiated against the company.

Data Breach Insurance

A topic that is at the fore front of every news item today, and for good reasons. Indeed, this insurance protects against data breach when private personal information stored on a company's computing resource are compromised.

We hope the information above has served as an illustration on how how you should protect your business in Florida. Large or small, newly launched or already established, as a business owner, you should take steps to protect your company.

Did you know that business owners can sometimes team up on insurance, if state laws allow it? Sound interesting? Here is an article by the Miami Herald you might want to read.

11 General Liability Insurance Florida

May 16, 2018

Florida Insurance Quotes LNC

Commercial Insurance No Comments

Get Your Florida Insurance Quote Now

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Business Liability Insurance

GL, (General Liability Insurance), is a specialized insurance protection that businesses seek to protect themselves against a variety of claims such as:

Bodily injury and property damage liability
Personal and advertising injury
Property damage
Medical payments
Damage to premises rented to you

It is a business liability insurance which often go hand in hand with a Business Owners Policy (BOP).

Even though employers in the state of Florida are not required to carry insurance for every aspects of their day to day operation, certain types of insurance are indeed required. These requirements depend on the number of employees a company employs, whether vehicles are used for business.

Businesses can fall prey to a variety of lawsuits/legal challenges and a business liability insurance is one the first line of protection for professionals such as contractors.

Also known as Contractors Liability Insurance, this insurance plan serves as the first line of defense for you and the members of your team. It offers protection to your contracting business and safeguards your livelihood from unexpected financial loss.

The construction industry and all related contracting services have their fair share of operational risks. Whether your business has a storefront which customers can visit (and possibly get hurt while on your premises, or whether you work in people's homes by offering your painting, drywall, cabinet and all manner of contracting services, you could be held liable to products your install what my cause physical harm to the homeowner and his or her family.

For that reason, it is important that you consider purchasing a General Liability Insurance.

Cheapest General Liability Insurance Small Business

The answer to that question is simple and understandable. Out of the ten most devastating hurricanes in the US, a whooping 7 of them made landfall in Florida, six of them occurring in the years 2004 and 2005.

Notwithstanding the cost of damages in human terms, hurricane often leave behind a trail of devastation that can amount into the billion of dollars. As a whole, the sunshine state is still reeling from the effects of the Irma, a category 4 hurricane that hit the state in 2017.

In addition to Hurricanes, Florida also has to deal with a range of other disasters such as wildfires and tornadoes.

Most people look for ways to save money on goods and services they purchase, either of their own personal use or for their business. The same can be said for companies who need liability insurance. The best way to find cheap small business insurance is not as hard as it may sound:

Compare quotes
Bundle policies
Manage your risks

As a specialized insurance agency in Florida, we are often told by customers that a business insurance may be an investment they don't really need. Here is the reality of the situation though:

Over 30 percent of small businesses are sued
Nearly 70 percent of them said that their businesses suffered greatly from the expenses associated with having to defend against these lawsuits

If you think that lawsuits only happen to large companies, think again. Small businesses are often targeted by such legal challenges and face thousands of dollars in expenditure against all kinds of lawsuits, including the frivolous ones that may cost between $2000 and $5000.

Commercial General Liability Insurance

CGL (Commercial General Liability Insurance) was introduced in 1986 as a replacement for the "comprehensive" general liability policy. It is a specialized insurance protection issued to businesses in order to protect them against liability claims for property damage (PD), bodily injury (BI), completed operations, advertising and personal injury liability (PI).

Florida Business Insurance Requirements

In Florida, employers are requited to provide workers' compensation insurance for their employees. The specifics of these requirements are based on the number of employees, the industry and the entity organization.

For more information check https://www.myfloridacfo.com/division/wc/employer/coverage.htm

11 The Best Florida Homeowners Insurance Companies

May 15, 2018

Florida Insurance Quotes LNC

FAQs | Homeowners Insurance No Comments

Florida Homeowners Insurance Quotes

Whether you own or rent a home, apartment or condo in Florida, you will want to protect your investment by selecting the Best Florida Homeowners Insurance Companies in the Florida market, and which you can trust.

Get Your Florida Insurance Quote Now

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Florida Homeowners Insurance Companies

Known for it pristine beaches, parks and holiday resorts, Florida is a wonderful place to call home. There is a lot to love about the lifestyle in the Sunshine state, which of course doesn't necessarily include the money home owners (or renters) pay for their home insurance policies. Of course, the best Florida Homeowners Insurance Companies do compete against each other to offer premiums that are competitive and affordable but as a whole, Florida annual premiums for homeowners insurance are indeed on the higher side.

How Do I Choose The Best Homeowners Insurance?

Compared to the national average of $1,173 per year, Florida home owners pay an average of just under $2000 per hear for their homeowners insurance premiums. That's quite an increase, and of course, the cost of premium depends on several factors, including where you live, how old your home is, it's value etc...

The Best Florida Homeowners Insurance Companies

Why are homeowners insurance premiums more expensive in Florida?

In addition to Hurricanes, Florida also has to deal with a range of other disasters such as wildfires and tornadoes.

The best Florida Homeowners Insurance Companies

(The information below is valid at the time of writing. It is important to understand that only an insurance agent, who specializes in the Florida marketplace can provide an up-to- date assessment as to which companies offer the best or more affordable deals.)

Tower Hill Group

The second largest insurance provider in Florida, Tower Hill Group provides an extensive range of insurance related services as well as providing options for:

Water damage coverage
Sewer insurance plans
Personal valuables
Protection against identity theft

One of Tower Hill Group premium offer is its Imperial Shield program aimed at high end homes. Unlike other providers, Tower Hill Group offers its own flood insurance, even though in Florida, National Flood Insurance Program is provided by the federal government. For example, Tower Hill's flood insurance can provide home owners coverage for up to $5 million in building replacement costs and a more than generous $2.5 million in home content.

As far as premiums are concerned, Tower Hill certainly makes an effort to be as affordable as the market will allow it to be. It's rates are certainly competitive when compared to other providers.

Ratings: Tower Hill received a A- rating from A.M. Best. A very honorable commendation which means that the company has the financial backbones and the excellence of service to be able to meet its obligations when disaster strikes. (i.e. pay your claims)

State Farm

One of the largest insurance providers in the nation, State Farm is a national insurance known throughout the USA by name and reputation.

Insurance services provided:

Umbrella liability coverage
Personal property coverage
Identity theft coverage

If you are looking for discounts and are willing to combine insurance types into one, then State Farm is an excellent option to consider. A common multi-line discount package would combine both auto and home insurance policies.

Ratings: State Farm has a A++ rating from A.M. Best. (The highest possible ranking)

Citizens Property Insurance Corp.

Also known as the "insurer of last resort", Citizens Property Insurance Corp often time serves as the insurance company of choice for those who's quest for coverage with other providers have proven to be unsuccessful. Be that as it may, let not this accolade deter you for exploring the many options Citizen Property offers. Citizens Property Insurance Corporations is a state backed insurance provider.

With few choices, compared to other providers, Citizens does acquit itself more than honorably when it comes to personal property coverage and sinkhole damage coverage.

[su_highlight background="#ffff99"]Save even more on your homeowners insurance? Consider installing a Fire or Burglar alarm in your home.[/su_highlight]

Ratings: Citizens Property Insurance Corp has a B++ rating from A.M. Best. (Good - B++ is an updated ranking compared to a previous rating of B+)

Other Homeowners Insurance Companies

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America Family	Amica	Farmers
Hartford	Liberty Mutual	Metlife
Nationwide	Travelers	USAA

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The Best Florida Homeowners Insurance Companies are a subjective method of grading the companies when comparing they against each other. These ratings are dependent on several factors including customer satisfaction, reader score feedback and satisfaction. When dealing with a Florida based Insurance Agency such as ourselves, we have certainly have access to the most updated data with regards to the the Best Florida Homeowners Insurance Companies.

It is important that you get the right Florida Homeowners Insurance coverage for yourself. Want to save yourself a little money? Make sure you check our article: Spring Maintenance Tips to Protect Your home, which gives you some clues on things you can do right now to your home, apartment or condo that have the potential to reduce your home insurance premiums. If you wonder what the difference is between a condo and a homeowners insurance, you can find some answers here.

We, at LNC Insurance Providers are a family owned insurance agency, in business for over a decade. Our main office is in Miami, but we provide insurance cover throughout the state of Florida. As such we have a unique knowledge and experience of the challenges and realities of all aspects pertaining to Florida Insurance.

Click here for a list of Florida top property & casualty insurance companies

11 Pet Friendly Homeowners Insurance: Do Pets Drive Premiums Up?

April 12, 2018

Florida Insurance Quotes LNC

FAQs | Homeowners Insurance No Comments

Get Your Florida Insurance Quote Now

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Homeowners Insurance and Pets

There are many factors to take into consideration when thinking about purchasing a Florida Homeowner Insurance Policy. Here is one consideration that rarely goes into people’s minds when they are about to take the necessary steps to protect their homes: their pets.

It’s a common mistake, after all how could your furry (or not-so-furry) friend affect your homeowners coverage? Yet insurance providers take this issue seriously and consider that your pet, however cute is well capable of causing damage to your property. It is an issue considered to be important enough that in some cases, an animal member of your household may be lead to an insurance denial altogether.

Question: Do you want to know how to choose the best Florida Homeowners Insurance? The answers to that question are provided in our article aptly called: How Do I Choose The Best Homeowners Insurance?

Dogs are among the most common pets in the state of Florida. For all their admirable qualities, dogs are in fact the riskiest pets, if only because they can bite. In fact, according to the Centers for Disease Control and Prevention, in the continental United States of America, 4.5 million people suffer from dog bites each year, with about 900,000 requiring medical treatment. It falls to reason therefore to understand why insurance providers take such a measured approach to this issue.

But before you start pulling your hair in despair, there is a silver lining in all of this: most homeowners insurance policies cover dog bites and other incidents where dogs re involved, even if that means that your homeowners insurance policy might cost you more.

Dogs Companies Will Not Insure

Believe it not, certain breeds have made it to insurance providers list of “bad breeds” and if you happen to own a dog from that list, you might very well have a challenge on your hands. The rule of thumbs on determining what breed is dangerous enough (in the eyes of the insurance providers) to be listed as a member of the “bad breeds”, consider this:

If a dog can inflict serious damage from a single bite, then its breed may find itself on this list. Here is another consideration: the size of the dog is not always a determinant factor either.

A study from the Applied Animal Behavior Science journal says that large dogs, often pigeonholed as the dangerous breeds, aren't any more likely to bite than small ones. Siberian Huskies and Greyhounds, to name a couple, scored as very calm dogs, and even pit bulls and Rottweilers registered average or below-average aggression. The tiny Dachshund, meanwhile, ranked as the journal's most-aggressive breed, with Chihuahuas coming in second. (ref: esurance.com)

Be that as it may, here is a list of dogs that commonly referred to as “bad breeds” by insurance companies:

Akita
Alaskan Malamute
Chow Chow
Doberman
German Shepherd
Pit Bull
Rottweiler
Siberian Husky
Wolf Hybrid

Notwithstanding the above, we encourage you to call your Florida Homeowners Insurance agent for any further clarification.

What about Exotic Pets?

While most people choose a cat, dog, hamster or bird as their pet, some folks prefer more exotic animals. For example, over 10,000 big cats, and 3,000 apes, are privately owned in the US. These are not your ordinary tamed, domesticated animal and however mild mannered these are, they are still wild in nature and as a result wholly unpredictable.

As such, it is extremely unlikely that any insurance company will cover them under their homeowners insurance policies. If a mountain lion happens to roam inside an enclosure in your backyard, your only option would be to look into exotic pet insurance as they are the only ones that will offer the sky high coverage capable of handling these wild creatures.

Did you know?

There are more captive tigers in the US than there are wild tigers on earth?

Make Sure You Disclose Any Animal Your Own To Your Insurer

Owning an animal is a big responsibility and requires special care and attention. Dogs, as a general rule, can impact any homeowners insurance coverage you seek and it is crucial that you don't hide the fact that you do own a dog, or any other animal from your insurer.

Training your dog is one excellent way to ensure that you are taking your role as a responsible dog parent seriously. In fact, training is so important that some insurers might even give you a break, particularly if your dog gets a "Canine Good Citizen" certificate, obtainable from the AKC.

Whether you own a pet or not, it is important that you get the right Florida Homeowners Insurance coverage for yourself. Want to save yourself a little money? Make sure you check our article: Spring Maintenance Tips to Protect Your home, which gives you some clues on things you can do right now to your home that have the potential to reduce your home insurance premiums. If you wonder what the difference is between a condo and a homeowners insurance, you can find some answers here.

11 What You Need to Know About Your Florida Property Insurance

April 10, 2018

Florida Insurance Quotes LNC

FAQs | Homeowners Insurance No Comments

Get Your Florida Insurance Quote Now

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Florida Homeowners Insurance

Homeowners insurance in Florida comes under the umbrella of Florida Property Insurance which makes the whole topic a lot more confusing than it should really be. Of course, the ultimate source of information regarding any insurance topic can only be your local insurance agency and for countless Florida residents, that can only mean LNC Insurance Providers.

Being knowledgeable on the issue of Florida Property Insurance in advance of your calling one of our insurance brokers can of course better assist you in ensuring that you get the best possible coverage at the lowest price. And that is precisely what we aim to provide you. The very best Florida Homeowners Insurance.

What Type of Residence Do You Live In?

It’s a reasonable assumption that the more expensive a home might be, the move it will cost to repair/rebuild it when tragedy strikes. And thus, Florida Homeowners Insurance costs are largely driven by the type of home you live in. In Florida, homeowners typically live in any the following five types of residences:

Condos
Townhomes
Traditional Homes
Rental Properties
Manufactured Homes

Insuring either of the above falls under specific criteria and this is one of the topic of conversation you will have with one of our agents.

Where Do You Live

You’ve heard of the old say: “location, location, location”. And in the case of homeowners’ insurance, this piece of street wisdom has never been more accurate. Florida property insurance coverage, including homeowners’ insurance largely depends on where you live. Living by the ocean has its advantages and if you are lucky enough to live there, then you already know that the Florida coastline is always the landing area for any hurricane that might come our way.

How old is your home

Another logical truth about the cost of homeowners insurance is of course the age of the property you live in. This is particularly true in terms of new building codes that were introduced in the aftermath of hurricane Andrews. The age of the property is one of the factors insurance providers take into consideration.

When was the last time you made a claim?

Much like Florida Car Insurances, repeated claims will greatly impact the cost of insuring your home. As much as we all hate to admit it, insurance providers do take a calculated risk anytime they underwrite a policy, and repeated claims might place your insurance policy on a more expensive bracket.

How is your home built?

Another logical assumption: the type of material used in the building of your home greatly influences property insurance rates in Florida. For example, a fire, damaging as it can be can have a more pronounced effect on wooden homes than on brick houses. The take away from this is that a house build with bricks might significantly lower the property insurance costs.

How Old Is It?

What Building Materials Were Used?

Hip Roof vs. Gable Roof: What’s the Difference?

Where is the Home Located?

What Features Are Included?

Features That May Decrease Insurance Rates

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LNC Insurance Providers: We Specialize in ALL TYPES OF INSURANCE POLICIES

Florida Small Business Insurance Quotes

Get Your Florida Insurance Quote Now

Business Insurance Quotes Florida

Save Money on Business Insurance in Florida

Call us now to find out how: 888-913-6988

General Liability Insurance

Save Money on Business Insurance In Florida

Call us now to find out how: 888-913-6988

Commercial Auto Insurance

Business Owner's Policy

Worker's Compensation Insurance

Officer and Director Insurance

Professional Liability Insurance

Data Breach Insurance

Save Money on Business Insurance In Florida

Call us now to find out how: 888-913-6988

Get Your Florida Insurance Quote Now

Business Liability Insurance

Save Money on Business Liability Insurance

Call us now to find out how: 888-913-6988

General Liability Insurance for Contractors

Cheapest General Liability Insurance Small Business

Save Money on Business Liability Insurance

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Commercial General Liability Insurance

Florida Business Insurance Requirements

Florida Homeowners Insurance Quotes

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Florida Homeowners Insurance Companies

Save Money on Homeowners' Insurance

Call us now to find out how: 888-913-6988

How much can I expect to pay for my Home Insurance?

Why are homeowners insurance premiums more expensive in Florida?

Save Money on Homeowners' Insurance

Call us now to find out how: 888-913-6988

The best Florida Homeowners Insurance Companies

Tower Hill Group

State Farm

Citizens Property Insurance Corp.

Other Homeowners Insurance Companies

Get Your Florida Insurance Quote Now

Homeowners Insurance and Pets

Save Money on Homeowners' Insurance

Call us now to find out how: 888-913-6988

Homeowners insurance and dogs

Dogs Companies Will Not Insure

Save Money on Homeowners' Insurance

Call us now to find out how: 888-913-6988

What about Exotic Pets?

Make Sure You Disclose Any Animal Your Own To Your Insurer

Get Your Florida Insurance Quote Now

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