FL

Advantages of Umbrella Insurance

Posted on by AgentInsure

If you’re a homeowner, you likely already have liability insurance to protect your assets in case of injuries. However, many homeowners go the extra mile and opt for umbrella insurance. If you live in the Brandon, FL, area and you’re interested in umbrella insurance, our team at Runnels Insurance is ready to answer all your queries.

Umbrella insurance is an additional coverage that covers expenses beyond what your standard insurance pays. For instance, if you are involved in a car accident, and the other driver’s injuries cost more than the liability limit on your policy, umbrella insurance can cover the extra costs. These policies supplement the liability insurance on homeowners’ or auto insurance.

How Can Umbrella Insurance Help You?

As per Nerd Wallet, umbrella insurance can assist you by covering excess expenses from causing injury to someone. If you or your car happens to damage another person’s property, the surplus costs can be handled by your umbrella insurance. In the event of court cases, your umbrella insurance can also cover the costs of your attorney and court expenses.

Umbrella policies are beneficial for those who own large properties. It’s also advantageous for those possessing items that could cause injuries – such as a pool, gun, or dog. Investing in umbrella insurance may be a wise decision if you’re involved in a sport where there’s a chance of accidentally injuring someone else. Landlords often find umbrella insurance useful due to the risk of being sued by their tenants.

Contact Us Today About Umbrella Insurance

When exploring insurance options, make sure to inquire about umbrella insurance. Clients in the Brandon, FL, area are more than welcome to connect with Runnels Insurance for more information on umbrella insurance. Our agents are eager to discuss all your insurance options. Call us to schedule an appointment today and learn how umbrella insurance can be beneficial for you.

Review Your Comprehensive Condo Insurance Policy

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Take some time to review your comprehensive insurance policy. When changes occur within your living space, make sure to update your condo insurance plan.

Comprehensive Coverage

Comprehensive coverage safeguards your personal possessions and any building materials you hold primary responsibility for. It provides protection against liability incidents, theft, vandalism, and natural weather disasters.

A comprehensive insurance policy may include add-ons. These additional coverage options fill in gaps and enhance the coverage the policy provides.

Policy Review

Review your comprehensive condo insurance policy thoroughly. Ensure that all the personal details included are up-to-date. If changes have occurred that necessitate policy modification, note them.

The policy will list all the possessions covered by the insurance plan. While reviewing the policy, refer to your home’s contents. Ensure that the high-value items included in your policy remain in good condition. If you’ve sold any personal possessions, make a note of the items you no longer own.

This information will be helpful when it’s time to modify your comprehensive condo insurance policy. If you’ve purchased any items since getting your condo insurance, remember to record details about them.

When you’re ready to modify your insurance policy, you’ll need to provide information about any newly acquired items.

Contact Runnels Insurance

Make an appointment with one of our insurance agents who serve Brandon, FL. At Runnels Insurance, our agents are trained to consult with clients and recommend a broad range of condo insurance products that deliver the protection property owners need.

Home Insurance: Filing Small Claims Versus Filing a Big Claim Only

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When people buy home insurance, it’s natural to think that they have bought rights to protection, one which they can rely upon when something goes wrong. After all, that’s what seems to be contracted for when one buys insurance coverage in the first place. However, home insurance needs to be viewed as catastrophic protection versus an everyday problem remedy. A lot of this perspective is due to how home insurance is sold in the first place.

Policies for a neighborhood and region are sold by an insurance provider because the company feels it has enough policies in its pool of customers to offset occasional payout risk. As long as the majority don’t file a claim, the concept works. However, when the number of claims starts to rise, the profit margin starts to disappear. Either those filing the claims now have to pay more for continued protection, or they need to be removed from the pool so that the rest are not impacted adversely. Alternatively, a company could raise rates on everyone, but that will likely drive customers away en masse to the competition, so most insurers don’t choose this path.

As a result, while a homeowner could file a claim for a small damage issue like a broken window or a drywall damage, it’s not a good idea. Each claim tags that homeowner as a rising risk for a coverage provider. Not only will the homeowner’s premium rise as a result come renewal, but the homeowner contracts gets flagged as a potential issue for the pool. On the other hand, a customer who uses the policy only for catastrophic events has a far better response because ultimately that’s what the policy was intended for. Full coverage is honored, and the homeowner has protection when needed.

To better understand how claims work, those in the Brandon, FL region can connect with Runnels Insurance for expert advice and guidance. Their agents understand the claim process in detail and how home insurance can be expected to work.

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.

Top Ways to Take Care of Your Classic Car

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When it comes to taking care of your classic car, the number one thing you can do is invest in classic car insurance antique. In addition, there are many collectible car maintenance tips that you can follow. Here's a quick look at few of those tips for taking care of your classic car in the 33511 area.

Detailing matters

At least twice a year, possibly even more often, you need to have your classic car professionally detailed. From the interior to the undercarriage, all dirt and grime need to be removed to keep your car looking and running its best.

Store your car in a garage

Always do your best to keep your classic car out of direct sunlight. Even when driving it, it's best to go out on a cloudy day.

Drain all the fluids

If you're storing your classic car for an extended period of time, then it's best to drain all the fluids, and you'll also find it beneficial to remove the battery.

Cover the car

When the car is in storage, make sure to cover it with a soft cotton cover. And if you plan on keeping the car in storage for more than a week, roll down one of the windows to ensure the interior receives good air circulation.

 

For more information on the many tips you can follow to take proper care of your classic car, contact one of our highly qualified insurance representatives who serve the Brandon, FL area. While discussing car care tips, make sure to ask for quotes on various classic car insurance policies. You might find that you can purchase a better policy at a more affordable rate.

Tips for Filing a Claim After a Hail Storm

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Many people go their entire lives without ever having to file a claim for hail damage on their vehicles. However, for those who do, they can testify to the fact that having insurance is of the utmost value when a hail storm takes place.

It's important to realize, though, that not just any car insurance policy will pay for hail damage. It's because of this that you need to speak with one of our qualified agents serving the 33511 area to make sure you are adequately covered.

Paying for hail damage out of your pocket can easily cost upward of $2,000. From having to pay to have the dents popped out to having clear coat and paint reapplied, you will be so happy that you have insurance to cover the associated costs for you.

In order for your insurance to pay out for hail damage, you will need to purchase a liability policy that has comprehensive coverage added on. Or you can invest in a full coverage policy. In Brandon, FL, because the weather can be so extreme, it's highly advised that you have full coverage, and this especially applies if you have a vehicle that is worth a high dollar amount.

A quick conversation with one of our agents can help point you in the right direction in regards to purchasing a policy that will work best for you. If you find that you cannot afford a full coverage policy, make sure you at least invest in a liability and comprehensive policy. . Best of all, you very well might find that adding on comprehensive coverage can possibly cost less than $30 extra a month.