Author Archives: Florida Insurance Quotes LNC

I have Homeowners Insurance. Am I covered against Break-Ins?

FAQs | Homeowners Insurance No Comments

Does My Insurance Cover Burglaries?

Talking about insurance policies may not be the favorite pastime of most people, and for good reasons: who wants to talk about matters that could have a serious effect on a person's life and even future.  The problem with these types of discussions is that when they're served up at dinner time, it's usually too late.

Take Florida homeowners insurance for example. You would be hard fetched to find a single person who genuinely believes that a policy of that nature is unnecessary. But in the event that you did, the world is wonderful canvass of personalities and characters after all, there may in fact come a time in that person's life where he or she might actually come to realize how wrong his or her prior conviction might have been on this subject.

In the 2012 calendar year, Miami registered a 4,390 property crime rate per 100.000 people! Including burglaries, motor vehicle theft and larceny theft. .

Homeowners Insurance May Help Cover Break-ins

There are two types of policies that might be of use here:

  1. Personal Property Coverage
  2. Dwelling Coverage

Note: The best way to find out where you stand in any insurance related discussion is to talk to the professionals. The folks at L & C Insurance Providers are the experts in this matter and will be able to answer all your questions and point you in the right direction.

Whether you are in the market for a new Florida homeowner's insurance policy or you would like a professional to review an existing policy, Liz Fernandez and her team, at L & C Insurance Providers will be only too happy to help.

L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free.

That's the L & C Insurance Providers Insurance promise.

Find out how you can too can protect your home

A homeowners insurance policy is the best way to protect and safeguard your home

Get a quote

How Much Insurance Do I Need for Break-Ins?

The answer to that important question depends on a number of factors. As a rule of thumb, a personal property coverage will depend on whether you have a:

  • - "Replacement cost" clause for your belongings. That that means that an insurance company would undertake to replace your belongings at today's market prices.
  • - "Actual cash value coverage" is a more affordable alternative in which an insurer deducts for depreciation so that you might not recoup the amount of money you originally paid for the lost item.

When it comes to dwelling coverage, the aim is to to help pay to repair or replace burglary damages with material of equivalent quality.

Are there limits? Yes! Most companies set a monetary limit to claims. The common practice is to cover possessions at 50 to 70 percent of the total amount of insurance you have on your home.

What happens to jewelry or silverware? These items are usually grouped under a specific category where limits are also set. Jewelry coverage for example might be capped at $1000 or $2000.

In conclusion, if someone breaks into your home and walked away with your TV, your personal property coverage would cover you and reimburse the cost of purchasing a new one. But if that burglar finds an expensive ring on your bedside table, and takes it, in all likelihood, you will only ever be reimbursed up to the sub-limit set by your insurer. Loss of expensive pieces of jewelry will result in out or your own pocket expenditure and it is important that take the necessary steps to protect your most valuable items.

Deductible. Any policy, be it homeowners insurance or otherwise will include a deductible which you will be entirely responsible for. A scheduled personal property coverage clause might help reduce, or even eliminate that cost.

Are you covered?

When it comes to the protection of your home, quality coverage makes all the difference

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You're insured. What should you do next

Congratulations. You have taken the first step. You insurance agent will have covered the various clauses in your insurance policy but taking stock of what you own is your responsibility.

Make sure you keep a list of all your belongings, including taking pictures of each and everyone of them and keep this in a safe place. You'll want to include the type of item, the year of purchase and any other relevant information. Keep copies of receipts, purchase contracts and appraisal document as well.

In a 2014 survey of more than 1000 homeowners conducted by Allstate, a staggering 40% stated that they had not made any assessment of the value of their possessions, nor kept any sort of documentation to that effect in the first place.

You've been burglarized. Now what?

The thing you have preparing for has unfortunately become reality. First thing to do is to report the burglary to the police. The next thing is to place a call to your insurance agent. You need to do this as soon as possible. (According to the Insurance Information Institute some insurance companies place a time limit on how long you can wait before filing a claim.

Make emergency repairs. It is crucial that you protect your home from further damage. Replace broken windows, door locks damaged during the break-in.

Many of customers feel that break-ins are the among the worst types of home invasions. If you are a victim of a burglary, hopefully you will have followed the advice as laid out on our website. You will have  called our agency and talked to one of our agents who would have helped you get the kind of insurance policy protection that fits your need.

While it is impossible to fully replace all of the items that were stolen or broken during the burglary, a well written Florida Homeowners Insurance policy will enable you to get back on your feet as soon as possible.

Why do Tampa Drivers Pay the Highest Auto Insurance Rates

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In Florida, Tampa Leads the Way

The overal trend for Florida car insurance has been going upwards in recent years as Florida drivers are getting themselves into more and more accidents. No-where has this trend been so evident than in Tampa.

In 2016, car insurance premiums rose by 14 percent throughout the sunshine state.

Car insurance rates are dependent on a number of factors, including location. Drivers living in cities are paying more for their car insurance policies than those living in rural areas. According to statistical data, traffic density in urban population is responsible for more accidents than in other areas. And it's not just the sheer volume that causes more accidents: speed is another consideration as drivers tend to drive faster on highways. Traffic, speed and the increasing number of cars on any given road system is a sure formula for an increase in car related accidents, collisions etc.

Why are Tampa car insurance premiums on the rise?

While it is impossible to give a definitive answer to this question, here are a few factors to consider:

  • Population growth
    More and more people live in Florida.  In Tampa alone, the population grew to 3 million residents in 2016 adding over 60000 residents through migration and natural increases. More people means more drivers and this increase is one of the reasons why the cost of car insurance in Tampa is currently the highest in the state.
  • The Role of PIP
    Personal injury protection (PIP) to the tune of $10,000 has been mandatory in the state of Florida. Introduced to cover minor accidents claims (regardless of who is at fault) PIP is seen as one the reasons why insurance premiums have gone up in recent years.
  • Agressive drivers
  • Older drivers
  • Hit and run incidents
  • Uninsured drivers

Whether you live in Tampa, or anywhere else in Florida, you can avail yourself of the most affordable car insurance, without having to compromise on quality, by contacting  L & C Insurance Providers. Our mission is to always be one step ahead of our competitors in terms of knowledge and experience.

We specialize in Florida car insurance and stand ready to help you.

L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate.  Easy, Low-Cost and Worry Free.

That's the L & C Insurance Providers Insurance promise.

Make sure you're protected

The value of professionaly written auto insurance is often realized after an accident has occured. Don't leave it until it's too late:

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Organized Crime

A worrying in trend in Florida (and other states as well) is the increasing number of staged automobile accidents. This particular challenge is so unique that we've decided to list as a separate paragraph in this article.

A staged automobile accident is one in which organized criminal groups maneuver unsuspecting drivers into crashes so that they might make insurance claims. These crashes are literraly "manufactured" and the perpetrators make money by submitting claims which then have a direct effect in premium costs.

Staged accidents can take many forms, four of which are very common:

  1. A vehicle overtakes you, drives into your lane and jams on the breaks causing a rear-end collusion. Some criminals take this scenario to the next level by simulating neck or back injuries caused by these collisions. Large injury and collision claims are then submitted against your policy.
  2. As you begin to merge into traffic, you are encouraged by a "benevolent" driver who appears to slow down and then waves for you to move forward. As you drive into the space you think has just been vacated, the said driver then accelerates in crashes into you. This scenario can also take place in parking lots.
  3. You are driving in the inside lane, and as you turn left, inadvertently drift closer to the lane on your right.  That is all the encouragement a dishonest driver might need to ram right into you.
  4. You are a the scene of an accident and are approached by an individual who then requires that you take him or her to a medical faculty for treatment, or to a shady lawyer for assistance. 

A small bent becomes takes a life of its own: These staged accidents often times result in limited damages but submitted claims indicate otherwise and describe situations which do not reflect the reality.

Texting While Driving

Our cell phones have changed our lives. We are living in an era where the average person could not possibly envisage a life without one of these devices. Technological advancements have been such that cell phones have become part and parcel of our daily lives.  They can also cause serious accidents that often result in very serious injuries and even fatalities. 

If you text while you drive, not only are you endangering your own life but that of your passengers and innocent by-standers.

Accidents caused by drivers who text while driving cause insurance premiums to rise as well.

 

Cost Comparison: Florida Auto Insurance
(You can sort both the cities and costs columns in the order of your choice)
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How can I lover my Florida auto insurance premium?

The first step you can take right now to get you on your way to a more affordable insurance policy is to call us:

 

An auto insurance policy in Florida is determined by where you live, and what you want your policy to cover. A clean driver's license and good driving history will usually be in your favor when looking for better deals. Some cars are more expensive to ensure than others. For example, sport cars can mean higher premiums as they are considered to be in the higher risk bracket.

Raise your deductible to keep your monthly premium manageable, but do remember that these deductibles are due upon repair.  The higher they are, the more money you will have to pay to honor your part of the deal.

Obtaining multiple coverage through the same insurance agency, for example Florida Homeowners Insurance and car insurance might also lower your monthly premiums.

Restaurant Insurance for Florida Businesses

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Florida Restaurant Business Insurance

Owning and operating a dining establishment in Florida, usually requires plenty of work. Many elements need to come together in order for a restaurant to succeed. If you think about it, a stocked freezer and pantry and ensuring that there are sufficient tables in the dining area are only the basic principles of operating this sort of business. Your foremost concern as a restaurateur should be the proper protection of your business. Regardless of whether you're just about to venture into the food and beverage industry or have already been established, restaurant insurance Florida is something you will need.

What is restaurant insurance Florida?

Generally, restaurant insurance is a kind of business insurance catering particularly to the ones in the food and beverage industry. Regardless of the size of your company, there are always a number of possible risks. This is true whether you operate a small diner or coffee shop, or a Michelin-starred bistro. This coverage is coverage against a number of problems, which can include but aren't restricted to busted equipment, accidents, and even liability lawsuits. Generally, this type of cover isn't your typical general business insurance. It has many aspects that tailor to the demands of a restaurant. This means this type of restaurant business insurance is available in different types. The following are some of the insurance coverage policies under Restaurant Insurance Florida.

Protect your restaurant

You'be worked too hard to lose it all because you don't have insurance for your restaurant

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WHO SHOULD TAKE OUT RESTAURANT OR BAR

If you serve beverages or food your insurance needs are different than standard merchant businesses. Here are some of the businesses this includes:

  • Restaurants
  • Hotels
  • Motels
  • Cafes
  • Bars
  • Inns
  • Dance clubs and night clubs
  • Resorts
  • Sandwich shops
  • Restaurant/gas station combos
  • Casinos
  • Portable or mobile lunch services
  • Catering companies

TYPICAL FOOD SERVICE INSURANCE

if you want to properly insure your food service business, you'll want to consider these insurance options:

  • General liability insurance
  • Commercial property coverage
  • Workman compensation
  • Product liability - food or beverage items can sometimes cause illness and you will be liable.
  • Building contents - this can include furnishings and customer possessions

OPTIONS FOR RESTAURANT INSURANCE

Your insurance professional may recommend the following options for your food service policy:

  • Liquor liability coverage - do you plan to serve alcoholic beverages to customers? If someone gets into a traffic accident after drinking alcohol at your establishment, you might be sued for damages. Liquor liability covers problems like these.
  • Business interruption coverage - Reimburses lost income due to downtime associated with a damage or loss claim.
  • Employee health insurance coverage
  • Replacement cost insurance - if your business is destroyed by a catastrophe, your insurance may pay you the fair market value of the place. However, this can be a huge problem because it may cost much more than that to rebuild. This is why replacement cost is the best food service insurance option.
  • Earthquake insurance
  • Fire liability insurance - what will you do if a fire starts in the kitchen and spreads to other buildings? Fire liability protects you from these legal problems.
  • Fine art coverage
  • Equipment breakdown insurance
  • Flood coverage
  • Sewer backup insurance
  • Food spoilage
  • Sign insurance
  • Cyber insurance - protects you from problems associated with stolen data.

General Liability

This is the most common of the many different covers encompassing this type of insurance coverage. It's a policy that protects you from common problems occurring within your line of work. This could consist of situations such as someone slipping and falling because of wet floors, food poisoning issues, as well as other claims which may come from different sources. This policy will be handy considering the fact that customers sue for almost anything nowadays. Plan options vary depending on provider, but keep in mind that this should be one of the more flexible policies:

Commercial property coverage

Purchasing your restaurant space is a big investment. You can save money on rent. You will also be in full control of your work area and determine any changes you require. Getting cover policy for your place of business safeguards you from unexpected events like a fire or natural calamities. You won't have to worry about this if you're only leasing a unit, or if you do not own the structure where your restaurant is. The owners are going to have acquired this insurance already.

Equipment Breakdown coverage

This form of restaurant insurance is vital as you use lots of pricey equipment in your restaurant. Blast freezers, state-of-the-art ovens, and other cooking equipment cost you a lot of money. The manufacturer's warranty you get is limited, therefore it is not enough. You should safeguard these investments by obtaining insurance. Your cover provider will reimburse you if there is theft or damage due to accident or natural disaster. This policy covers not only your appliances but other fittings inside your establishment that the building insurance will not cover.

Liquor Liability

If your business sells, serves, or allows any alcoholic beverages to be consumed at your establishment, Liquor Liability protects you should your clients or patrons sue your business for damages related to their intoxication

Workman Compensation

The law mandates you to provide insurance for your employees. This is particularly essential for restaurant owners because your people deal with fire and gas each day. Your workers are your most vital investment, and you must safeguard their lives and their health. Your insurance company might cover any expenses if your employees suffer from an accident in your establishment.

Food spoilage

Cleanliness is a must for every restaurant kitchen, but you can't say for sure when something unexpected could get in your food. Insurance providers can take care of damages and legal costs in the unfortunate event that a customer complains about food contamination. It's best to be ready for all kinds of events than to be sorry and shell out a significant amount of money later on.

Vehicle Liability

Generally, there are many restaurants that have restaurant cars that make deliveries. if you have a vehicle for your restaurant, for transport or delivery, make sure that it is insured.

Business Interruption Coverage

This type of insurance coverage helps you when there is an interruption in a major operation of the business or company. It may be a loss of income as a result of disasters or damages. Such case can affect your cash flow and profit ultimately. Business interruption coverage protects you from these situations and gives peace of mind that operations and income is in a good continuous flow.

Getting the Best Restaurant and Bar Insurance In Florida

Usually, without coverage, it is too risky in running a restaurant. This is because it involves various types of risks. The risks involved are not only intensive but also numerous. If these short-term or unexpected risks are not handled properly, they will have a deteriorating effect on the business in the long run. Not having any insurance coverage as it might prove fatal. However, in order to get a restaurant insurance, you have to find a competent insurance company for you to choose the insurance policy your business needs.

If you want to make sure your business is fully protected, talk to our commercial insurance agents at L and C Insurance Providers. We will evaluate your risks factors and provide you with and policy that fits your budget and needs. We do this by comparing the different policy options with our 25 + partnered insurance companies.

Florida Auto Insurance – Get The Facts

FAQs | Car Insurance No Comments
Auto Insurance

Florida Auto Insurance

If you are in search of an affordable insurance that fits your needs, then look no further than LNC Insurance Providers. When it comes to auto insurance, there is no reason to compromise safety with the notion that quality is too expensive and therefore beyond reach. We know Florida Auto Insurance and of course, we offer outstanding value for money. But more importantly, our customer service is second to none in the Florida market, and the value we provide our customers, more often then none, far surpasses the expectations of our customers.

We specialize in affordable auto insurance that do not sacrifice quality for price.

The Starting Point

If you own a car in Florida, the state requirements dictates that you should carry at least $10,000 of personal injury protection (PIP) and another $10,000 of property damage liability coverage.

This is the starting point. You are, by law, required to carry Florida Auto Insurance with, as a minimum, the most basic property damage liability coverage for any accident in which you are fault. Florida law does not require bodily injury liability coverage which of course means that in the even of an accident in which the other driver incurs accident related medical expenses, you will be entirely responsible these expenses.

Making sure that you have the right car insurance means that you have to be aware of up-do-date state requirements. Car related accidents can be really expensive and having the basic, legally required coverage, does not, in any way, offer nearly enough protection for yourself or your family. From legal regulations to common coverage requirements, L & C Insurance Providers mission is to always be one step ahead of our competitors in terms of knowledge and experience.

Florida Car InsuranceWhether you are in the market for a new Florida car insurance policy or you would like a professional to review an existing policy, Liz Fernandez and her team, at L & C Insurance Providers will be only too happy to help.

L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free.

That's the L & C Insurance Providers Insurance promise.

Make sure you're protected

The value of professionaly written auto insurance is often realized after an accident has occured. Don't leave it until it's too late:

Get a quote

What you need to know if you drive in Florida

  • 24% of drivers in Florida are uninsured. Nationwide, this number is 12%
  • An uninsured motorist coverage offers protection from damages caused by uninsured and hit and run drivers
  • Digital insurance cared are accepted. Providing proof of coverage with your smartphone to a police officer who's just pulled your over is perfectly legal
  • Florida is a no fault state, requiring that drivers carry their own protection. This means that when an accident happens, irrespective of who is at fault, drivers take care of themselves.
  • In spite of this "no-fault" state provision, drivers can be taken to court and sued for severe injury, disfigurement, or death. As such, choosing a bodily injury liability coverage that meets your needs is crucial.

What about costs?

When it comes to annual premiums for homeowners insurance, Florida ranks as one of the more expensive states in the country. But premiums vary from location to location and even from one policy to another.  The determining factors in estimating the cost of homeowners insurance for your own home depend on the size of your home, your assets and of course your address.

Cost Comparison: Florida Auto Insurance
(You can sort both the cities and costs columns in the order of your choice)
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Comprehensive and collision coverage

Though not a legal requirement, we highly recommend adding comprehensive and collision provision to your policy. This additional coverage will provide you with peace of mind and protection. Being responsible for property repair and replacement costs following an accident, when you do not have comprehensive and collision coverage can be hugely expensive. And we're not just talking about yourself here.  There's also potential damage to other people properties, including personal injuries which could change your life drastically should you not have a policy that covers such potential expenditure. Talk to us about how affordable a comprehensive and collision coverage is and how it is possible to mitigate it's cost by choosing deductibles that meet your financial needs.

Homeowner’s Insurance in Florida. What You Need To Know

FAQs | Homeowners Insurance No Comments
Florida Homeowners Insurance

Homeowner's Insurance, Florida

Known for its pristine beaches, its tropical climate and tourist attractions, Florida is a wonderful place to call home. A place of residence for a melting pot of cultures, Florida has it all: a bristling night life, paradisiac vacation spots, international business hubs, gorgeous parks and so much more.

Over 89.8 million tourists traveled to Florida, a staggering number given that just 21 million people actually live in the sunshine state.

Florida Homeowner's Insurance

In a state where mother nature can sometimes pummel properties with strong and sometime destructive storms, a house unprotected by an adequate homeowner's insurance policy is a recipe for disaster. This kind of insurance is not just one that gives owners peace of mind. It can also be a life saver by helpin pay to repair and or rebuild a home.

As wonderful as life is is for Florida residents, savvy home owners are fully aware of the importance of homeowner's insurance and rely on the expert advice and premium service of Florida's preferred insurance agency:  L & C Insurance Providers.

Florida Homeowners Insurance

Whether you are in the market for a new Florida homeowner's insurance policy or you would like a professional to review an existing policy, Liz Fernandez and her team, at L & C Insurance Providers will be only too happy to help.

L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free.

That's the L & C Insurance Providers Insurance promise.

Find out how you can too can protect your home

A homeowners insurance policy is the best way to protect and safeguard your home

Get a quote

What does a standard Homeowner's Insurance Policy include?

  • Personal Property
  • Personal Liability ( in case of a claim about an injury or property damage to a third party)
  • Loss of Use/Extra living Expenses (if your home is unhabitable following a covered loss)
  • Dwelling
  • Other Structures (Detached garage, shed...)

What happens if you own a condominium? Normally the condominium association covers any damage to the exterior of the property including roof, walls and the common areas.  The Important thing to understand is that is where the coverage stops.  The interior finish of your unit is only protected when you purchase an H06 Condo insurance policy. 

The H06 Condo Insurance policy covers any damage to your walls, floors, bathrooms, kitchen.  It also provides coverage to your personal property items, like furniture, clothing, Electronics and appliances.   If we need this items to be covered it is imperative that we buy an H06 Condo Insurance policy.

What about wind or windstorm insurance?

A professionally drawn insurance policy will usually ensure that both wind and windstorm coverage are included in the homeowner's insurance.

Given that Florida is susceptible to hurricane force winds and or tropical storm on a regular basis, it is important to consider protecting your home with wind breakers, tropical resistant shutters etc...

Older homes, build before the onslaught of hurricane Andrew in 1992 are more vulnerable to wind damage than modern, post Andrew's new building code homes.

If you own such a home, in addition to the recommended shutters, it might be a good idea to replace the windows with impact glasses, change old doors etc...

Upgrading your home is such a way is an investment that may cost you an initial outlay. But if you consider the savings in premium per year, it is usually accepted that a couple of years are all it takes to recoup any initial investment.

What about Flood Insurance

If you live in Florida, you probably already know if your home is located in a flood zone. Insuring that you are covered for flood insurance is certainly a question you should ask Liz. A flood policy is not normally covered under the homeowner's insurance or content policy.

A great number of claims are made due to flood damages

What if you don't live in a flood zone? There are several types of flooding. The first one is the result of a tropical storm of a hurricane that produces a tidal surge.  Another type is caused by water having nowhere to go during heavy and rapid rainfall. This produces a water bottle neck which may spread to homes nearby.

What about costs?

When it comes to annual premiums for homeowners insurance, Florida ranks as one of the more expensive states in the country. But premiums vary from location to location and even from one policy to another.  The determining factors in estimating the cost of homeowners insurance for your own home depend on the size of your home, your assets and of course your address.

Florida Homeowners Insurance Cost Comparison
(You can sort both the cities and costs columns in the order of your choice)
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