Liability Coverage Protects You from Accidents You Cause

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Liability coverage is an important component of renters insurance, although some policies don’t include it as standard coverage. Designed to protect you from accidents that you cause, it can protect you when you’re found responsible for a covered incident. If you don’t know whether your renters insurance policy includes liability coverage, contact us at Runnels Insurance. We’ll help you make sure you find the protection you need.

Liability Coverage Protects You from Yourself

Unlike insurance coverage that protects you against vandals and thieves, liability coverage doesn’t protect you from someone else. Instead, it protects you from yourself. When you’re held responsible, or liable, for a covered incident, your liability insurance will protect you. The specific scenarios liability coverage may provide protection or will depend on your renters insurance policy’s terms and conditions. Here are three examples that might qualify as a covered incident, depending on your policy:

  • a fire that you start and spreads throughout your apartment building
  • legal fees associated with an incident that took place in your apartment
  • damage you cause to someone’s property when you’re outside of your apartment

Our Insurance Agents Compare Liability Coverage Rates

At Runnels Insurance, we have independent insurance agents who can compare any renters insurance policy offered in Florida against others ones that are available. They’ll be happy to review your current policy’s liability coverage and rates. If there’s a renters insurance policy that provides more liability coverage for less money, they can help you switch.

To get in touch with one of our Florida-licensed independent insurance agents, call our office or, if you’d prefer, send us an email through our website. One of our agents will respond quickly and begin helping you find the best rates on renters insurance policies with liability coverage.

 

Car Life Extension Tips: 3 You Need To Know

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It’s important that you get the life out of your car that you anticipate when you buy it. New or used, there are tips that can be used to ensure you can extend the life. Many of them are common sense, yet so many people forget about them.

Don’t Run the AC so Much

It can get very hot in Brandon, FL, especially during the summer time. However, running the AC too long is going to put extra strain on the engine because that is where the power is generated from. You can cut down on the heat by parking in the shade, using a windshield shade, and driving with the windows down.

Don’t Forget to Inflate

The temperature can change dramatically from season to season, and sometimes even day by day. This can cause tires to deflate quickly, and this means you have to make sure that you are inflating your tires on a regular basis. Check the PSI to what is recommended. More than a third of all drivers are driving with lower PSI than what they should – and it can make an impact on car life.

Stay Tuned

Your engine should be tuned on a regular basis, and this includes getting regular oil changes and having the oil filter replaced. If your engine is not tuned, it can increase fuel consumption, and cause an array of car problems down the road. Simple car maintenance can go a long way to make sure that your car lasts for many years to come.

Call us at Runnels Insurance today so we can search for quotes for you in Florida. Throughout the Brandon area, having auto insurance is imperative and we will work to find you an affordable policy to provide you with peace of mind.

 

 

How To Avoid Fraudulent Claims On Auto Insurance

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Whenever you are driving in Florida, there is the possibility of getting into a car accident. It may or may not be your fault, but a claim needs to be filed with your auto insurance. There are various ways to ensure that you do not file a fraudulent claim.

First, it is important to know what kind of auto insurance policy you have. When you are in Brandon, FL, you need to have liability insurance, but there may be various other types of coverage that you can have as well, such as comprehensive.

Next, you don’t want to hesitate when calling to file a claim. Most insurance companies will allow you to file the claim online or over the phone. Have as many details as possible, including the names and phone numbers of witnesses, if there were any.

Be available when an insurance claims representative calls to ask additional questions. An insurance company is not going to simply pay out on a claim without doing some kind of investigation. They want to make sure that you are not committing insurance fraud.

Only specify what happened within the car accident that you are calling about. You cannot include additional damage from your car that occurred in previous accidents. Although you may not have filed a claim about those other damages, they cannot be filed within a new claim because that is fraudulent.

Take the time to ask questions about auto insurance, particularly when you are making a claim. Never include details about a past incident, and provide as many details as possible so that you don’t submit a fraudulent claim or have a claim denied.

Let us help with auto insurance in Brandon, FL. Call us at Runnels Insurance today for quotes and more information about a policy.

 

 

Home Coverage And Value Determines The Cost Of Insurance

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Buying home insurance in Brandon, Florida can be very easy. However, the cost of insurance is going to vary based upon home coverage as well as value. More expensive homes are going to cost more to insure simply because there is a higher replacement rate.

Insurance companies look at what it is going to cost to pay out claims. When the claims are of a higher level, they have to charge a higher premium. This means that it is going to cost more to ensure a $200,000 home versus a $100,000 home. However, it is not going to be double the amount, so this can provide you with peace of mind as you begin shopping for homeowners insurance.

You will have the ability to adjust how much you pay based upon the level of coverage you want on your home. There are plenty of options to explore so that you can decide what kind of coverage you want on your home. You will have the ability to protect your home against fire and smoke damage, theft, floods, storm damage, and much more. Adding additional coverage can save you money by being able to file more claims as opposed to paying out-of-pocket.

By understanding more about your home value and the coverage you want on your home, you have the ability to impact the cost of insurance. Comparisons can be obtained from multiple insurance companies so that you can determine who is going to provide you with the highest level of coverage at the most affordable price.

At Runnels Insurance, we’re here to help with home insurance in Brandon, FL. Call today to get quotes and learn more. We will help you with every aspect to ensure that you get an affordable policy that works within your budget.

 

 

Boat Insurance: What Does a Typical Policy Really Cover?

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Residents of the greater Tampa Bay area understand that it is easy to get lost in daydreams of spending long days out on the water. But before you plan your next big fishing or boating trip it is important to make sure you have the right level of boat/water insurance coverage. If you aren’t sure what your current policy covers it may be time to invest in a new one from your local, independent agents at Runnels Insurance.

What Does Boat/Watercraft Insurance Cover?

Boat/watercraft insurance is your first line of defense in the event of an accident. Even if your boat itself isn’t worth a lot financially, in the event of an accident you could be held accountable for bodily harm or damages to another boat. In fact, in the year 2013 boating accidents amassed over $39 million in property damages. In some cases, accidents can happen before your boat ever hits the water.

Don’t get caught without the right level of coverage when you need it the most. Instead, protect yourself, your loved ones and your assets with affordable and complete insurance coverage from Runnels Insurance. With the help of our independent agents you can compare quotes online from multiple national providers to find the right level of coverage to fit your needs and your budget. Our experienced agents are always available to help you through each step of the insurance buying process and an answer questions at any time.

Invest in Your Safety with Comprehensive Coverage

Give yourself peace of mind while you’re out in the water buy investing in total boat/watercraft insurance coverage. Visit Runnels Insurance online today to start comparing quotes from top national providers in just minutes and save on your next policy.

 

Common Coverage Provided by Condo Insurance

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As you can imagine, insurance policies differ from one provider to the next, and most of them can be customized to meet your insurance needs. When it comes to condo insurance, you should be aware that there are two basic types of policies. Even more important is that you check with you homeowners association to determine the coverage provided through its master policy.  

Most of the time, there are basic types of coverage through the master policy, including on the following elements:

  • Walkways
  • Exterior of buildings, including the framing
  • Roads
  • Lawns
  • Swimming pools
  • Walking tracks
  • Tennis courts
  • Fitness centers

Because a master policy already provides coverage, your need for insurance is different than that of a person who owns a regular home. Being that the master policy covers most of the exterior, you need coverage for the inside of the condo, including on your personal belongings, light fixtures, hardware, etc.  

There are two basic types of condo insurance to invest in:

  • Bare walls-in
  • All-in

An all-in policy provides the most extensive type of coverage, but it tends to be more expensive than a bare walls-in policy.  If you are wanting coverage on your counter tops, fixtures, hardware, and other elements inside your condo, you’ll want to opt for an all-in policy. And don’t forget that regardless of the policy that you purchase, you’ll still have to pay a deductible when filing a claim. And just like with car insurance, the higher the deductible, the lower your monthly rates will be. For a lower deductible, you’ll be dishing out more money each month on your premiums.  

To learn more about condo insurance, contact a reputable insurance agent serving the Brandon, FL area today. 

Motorcycle Insurance Price vs. Insurance Options in Brandon FL

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Motorcycle insurance price has gone up in Brandon, FL, 33511. The good news is that there are a number of options for insurance options which you can choose from through the help of Runnels Insurance. Our company offers online quotes that allow you to compare and contrast insurance companies as well as the insurance coverage that they have.

As a motorcycle owner in Brandon, FL, 33511, you want to make sure that your vehicle is completely covered by your insurance policy. However, you certainly do not want to pay for very expensive premiums, particularly if you are a smart driver and you take care of your vehicle well.

Before you make a purchase, ensure that you have checked the motorcycle insurance price that will cover all of your needs. A basic policy typically covers property damage, bodily injury, protection from personal injury and property damage, collision, and towing among others. If you have a luxury motorbike, the insurance policy may also cover your bike accessories.

There are other insurance options in Brandon, FL where you can find coverage for replacing or repairing your motorcycle in case it is stolen or it has collided with another vehicle. Motorcycle insurance is definitely helpful for motorcycle owners, but the motorcycle insurance price may not be too appealing for you. Thankfully, here at Runnels Insurance, our goal is to provide you with insurance options that you can afford.

You can find custom policies that will suit your budget. If you are looking for quotes on premium insurance, you can use our online tool, which will provide you with details, particularly with the motorcycle insurance price. Our professional agents will help you locate the best deal for you. Plus, we can give you tips on how to lower your premiums, so make sure that you contact us today to learn more.

Avoiding Burdensome Medical Bills with the Right Health Insurance

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There is so much to do in Brandon, FL. From taking your kiddos to Dinosaur World or spending the day at the BOING! Jump Center, no matter the time of year, there's always a fun attraction to visit. And although you will likely be busy, it's important that you take time to make sure your family's financial future is secure.

When it comes to making sure your family is financially protected against burdensome medical bills, it is imperative that you purchase life insurance. In the event that you were to become deceased and leave behind medical bills, they could use the funds acquired through the life insurance policy to pay off the bills.

You never know when you'll get sick. And even a small case of the flu can turn into a terminal illness. It's because of this that you need to purchase life insurance today. In fact, the younger you are and the healthier, the less expensive your life insurance will cost.

Even if you've already hit your 35th birthday, don't let this deter you from buying a life insurance policy. In fact, no matter how old you are, you can rest assured that some type of affordable life insurance policy can be purchased.

There are many ways to go about buying an insurance policy, but it's imperative that you speak with one of our qualified representatives to make sure you end up with a policy that adequately covers your needs. A quick call to one of our insurance agents serving the 33511 area can have you on your way to making one of the best decisions you'll ever make.

 

How Do I Protect My Home Against Storms?

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Brandon FL is a town that’s just east of Tampa. The 33511 ZIP code has a lot to offer residents, including several bowling alleys, a large shopping center, and a lot of unique restaurants. Due to the close proximity of Brandon to the Gulf of Mexico, there’s always the possibility of experiencing storms.

Homeowners insurance is going to protect against a lot. If you suffer roof damage in a storm, you want to know that you are protected. This means exploring your policy in 33511 in greater detail. You may not have the level of coverage you think.

Depending on where you live, storm damage may be considered an “extra” that you need on your homeowner’s insurance policy. Essentially, this means you have to pay for the added coverage if you want your roof and other home areas covered during a storm.

The storm coverage may not be as expensive as you may think. When you shop for a policy in Brandon, FL, agents will talk to you about coverage and what you find to be the most important. All of the options can be included in the quotes you receive. This can ensure you are being quoted for a policy that is comprehensive enough to provide you with adequate protection.

If your home in 33511 is coverage against storm damage and more, then you can simply call the insurance company and file a claim when something has gone wrong. They will send out an inspector and get the process started.

Call and talk to one of our agents today where we can help you find homeowner’s insurance that protects against storms and everything else. Multiple quotes can be in your hands in no time at all to help you make a more informed decision.

What Does A Sinking Foundation In Brandon Cost To Repair?

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Brandon, FL has a lot to offer residents. There are various communities throughout the Hillsborough County town and much to keep people active. There are bowling alleys, golf courses, and even microbreweries. Home values are in line with the state average and many people commute into Tampa for work.

If your home in Brandon 33511 has a sinking foundation, you will want to get it repaired as quickly as possible. The costs are going to vary depending on:

– The extent of damage

– Whether it includes the porch

– How long it has been going on

The expense is going to be out of pocket unless your homeowners insurance covers the costs. There are many times when you can have a policy built to provide this level of coverage. This way, if you do encounter a sinking foundation, you will simply have to file a claim with the insurance company.

If your policy accepts the claim, the only money you will spend in Brandon, FL to make the repairs is the deductible. This can be $1,000 or more depending on the details of your policy. It is a small price to pay knowing that insurance will cover the rest.

Once you notice problems with your porch, foundation, or anything else, you will want to explore what’s going on in 33511. This includes calling an inspector to confirm that it’s a sinking foundation problem. They will then tell you what the cost is going to be and get the paperwork together that you can submit to the insurance company.

We have insurance agents to help you find the right policy so you don’t have to worry about foundation and other problems coming out of your pocket. We can help you determine coverage levels and give you quotes from multiple companies.