some sort of legal responsibility to for the insurance will attach the part be the second coverage for the auto policy of the medical payments coverage much like you saw in the homeowners policy this provides a relatively modest modest amount of coverage again blackout dollars is not uncommon for relatively minor medical expenses the difference here between the auto necklace.
medical payments the auto coverage as well as from the homeowners policy is that this actually will cover the insurer head so if you’re injured in the car or your hit by a car was added estrogen something of this and this thing the medical Florida homeowners insurance coverage payments will actually provide coverage to the insurance again it’s relatively my last amount of insurance I done on a no-fault basis the the idea again to try to minimize legal costs and if there’s a minor issue to handle it straight away so too.
were we saw in the homeowners policy what we didn’t see in the homework fault because there was no need is the motion of uninsured motorist and so that part teas what we refer to is uninsured motorist coverage as well as another part of the under insured motorist these will be two separate things that will make sure we make the distinction between those two for the uninsured motorist coverage basically access the liability coverage for the driver.
That car covered hundred thousand that should be sufficient if you’re semiyearly there’s some guards are worth , so maybe that’s what Personally carry I carry the uninsured motors if I get hurt I want coverage if that guy doesn’t have insurance I want to know my kids are going to be covered my family my wife me the medicals covered.
You know it find out if that fits you if that’s too expensive see if your medical covers it under insured motor same thing- per person , practice those are really good coverage hey those are what it is why why not do a million per person and million perhaps the one they don’t offer and most companies max out – why did they max out there because there are a lot of people if I’ve got.
Thousand you know if if you’re a young driver and you’re looking at you know your parents or you’re looking at your friends and family say i have that i have assets I don’t want to lose her that you’ll get into something called an umbrella hey if you don’t know about that I’ll make videos on it it’s coming if you have questions send me a message I’ll still answering Florida auto insurance quote for you before i make a video I’m not worried about that but that will cover more assets beyond just the car insurance if that’s.
The scenario you really need to talk to the agent make sure make sure they have your best you know your interest at heart one thing that i do like about some of the companies are starting to lean towards the customers so they’re starting to realize okay it’s not just do you like the coverage know goodbye do you like the coverage is now OK do you like to cover eyesore come back some companies are actually leaning towards what does the customer really need you know what questions you have how can we answer him agents are the best person to make sure you have the better coverage don’t want.
What i say isis probably going to be focused on flood policies because that’s that’s in my head right now because that’s what we’re dealing with primarily in Louisiana then there’s also the homeowners so as as y’all are going through this and in North Carolina and Florida it’s it’s critical really to remember that there are two different pots that that that insurance covers your typical.
Homeowners policy will cover things like a tree coming down on your roof and when damaged and things of that nature your flood policy really covers flooding rising waters and in any type of inundation by water typically these they’re they’re separate and so your homeowners policy your regular homeowners policy is typically not going to cover flood and and likewise your flood.
policy is not going to cover route a roof damage and so sometimes there’s recovery that is that’s that’s available for both you know you have flooding but there are a tree comes down and things of that nature so anyway juntas we have this conversation Florida Homeowners Insurance Quotes Tips afternoon remember that you know shutting a lot of what I’ll say just from from from what a minute in the middle of right now might be specific to flood policies.
But we’ll we’ll have some applicability to your homeowners policy but it’s important to remember that those policies are different but they answer the question it’s really critical that the insured usable to recover the full extent of their insurance and this is why you’ve paid insurance premiums for all these year sand now you know the the other part of the contract you fulfilled your part of the contract you’ve paid your premium snow the other side has to have to come and meet their obligations so how do how do they meet their obligations i meet their obligations baby providing full and fair payments for the claim and the way that a way to ensure that is to document document.
Created a new industry called computer modeling twas a gentleman named Don Friedman who worked at the Travelers nobody paid any attention to him even travelers it wasn’t until after hurricane Andrew that people said oh we’ve got a problem because the only thing they kept track of prior hurricane Andrew was premium and market share they didn’t keep track of Tabby or location.
i mean the old San born maps had gone away and so all of sudden that became a big deal is a huge industry now and in fact the state of Florida created its own computer model because again we didn’t trust those guys so we said good everybody else computer model will have one so we spent a couple million bucks and Florida International gave us our own computer model that is another way to keep the computer modelers honest now one thing though it is that is a misconception in the public and even.
lot of insurance people is they think this is an exact science computer modeling let me tell you it’s not this is our book of business and you can see that wife believe he Hundred-year storm is million if we believe our mess at million oh that’s a difference of OK and all of these models are proved by fluoridate hurricane methodology commission but they have in many cases very very different result that’s the same book of business same data same date and you get those kind of results but there’s another way of looking at what could happen in Florida and that’s called deterministic model this is Darren Clarke’s latest model and for those of-you who don’t understand PM look at that line the line there is the the PM Lin Florida which is about a hundred billion.
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whichever way you take a gander at it that my recommendation to you so you don’t get defrauded like the two story that is discussed think I won’t desert the other one poor person lost his mom gas can email the live pictures in a fundamental amusement her compensation me back proprietors heard your regularly scheduled installment back that we cast prior amazing and that is the reason what’s going to happen to individuals when they go to money out their paper so verbal contract up funnies the ball today here’s your underlying
venture back have a pleasant days in any case I simply miss ya I needed to do a video and that is the reason impart that to you so home insurance premium calculator I will converse with you folks later welcome back to land today we’re going to proceed with our dialog on home protection and discuss some different elements that the organizations use to decide your home protection premium sand I’m satisfied to be joined at the end of the day by Robert
fight at all& Associates Robert welcome back the show thank you Joe so Robert I wanna begin today appear and ask you what is individualize estimating great all the more those words come up into vote jaws valuing what is intends to yous the organization’s need to offer you the most ideal value they wanna decide the best cost for your rest keeping in mind the end goal to do this as opposed to rating on maybe a couple normal elements like they used to are presently bringing on a wide range of elements and we’ll go over however what is you done since I guarantee happen so on the off chance that you’ve had a sore go down likewise reinstalled anything to keep any future repulsive misfortunes so these are critical elements to ensure that you prompt the organization on the off chance that you had an earlier misfortunes you’re searching for another transporter to tell them what you’ve done to keep this sort of misfortune from.
I’ve been in my house a really long time; what does that mean for my insurance policy?Well, unfortunately, for many homeowners, it means your policy is outdated.And so that’s another reason you want to do an annual insurance review.Let’s say you purchased your home years ago and you spent $, to build it,and today it would cost $, to rebuild it — that could be a big gap in your coverage.
Other things that can happen from year to year is you may finish a basement, you may rebuild your kitchen.Those two things would increase the coverage amount that you would need on your home.Okay, so then do I need to purchase extended coverage? Extended coverage can be purchased for certain things that may exceed the limits of your normal policy.So an example of that would be an expensive wedding ring or expensive wedding set that is worth maybe.
You may have an individual limit for an individual piece of jewelry of say $,. That could be a coverage gap that you would have.Or you may have an expensive set of golf clubs or something like that.Can you tell me what about liability and homeowners insurance? That’s a Compare Cheap Home Insurance. The liability portion of your homeowners insurance really covers you in the event that you’re sued for somebody being injured on your property or if you are responsible for destruction to somebody else’s property.What do you say we go to your house, do a walk through,and I can illustrate some things that could affect your insurance rates and your coverages?
I think that’s a great idea.Excellent. Let’s go.One of the great things about doing an annual review is to make sure you’re getting all the discounts that you qualify for.In fact, I see you have an alarm system here; along with smoke detector sand fire extinguishers, you could qualify for a discount just by having that.