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Home-based Business

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The United States has experienced a rapid growth in home-based businesses in the last decade. The U.S. Census Bureau reports that there are now more than 11 million home-based businesses in the country, a figure that is expected to rise in the coming years.But if you run a home business, losses associated with that business may not be covered under your homeowners policy unless special coverage endorsements are added. Some insurers sell an endorsement that covers losses associated with a home-based business. We can quickly find out if such an option is available.

Call us for a risk assessment of your home-based business.EMERGE INSURANCE AGENCY904-677-5884

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Five Huge Insurance Mistake People Make

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Five big mistakes to avoid when making decisions about your homeowner’s insurance.

We are specialists in Florida homeowner’s insurance. Most importantly our ability to shop the market among most of the top-rated companies, allows us to meet your needs for protection and affordability.EMERGE INSURANCE AGENCY904-677-5884

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Auto Insurance Quiz

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If you were asked ten questions about auto insurance, how many would you answer correctly?Use this video to test your knowledge of auto insurance, and let it help you become a better risk manager.

If you have any questions or need clarification of anything in your auto insurance policy, call us.EMERGE INSURANCE AGENCY904-677-5884

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In What Month Do The Most Car Accidents Occur?

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In the United States, summer is the season with the most car accidents. Historically, August has had the highest number of accidents followed for some odd reason by October.It is important that you and your family member know what to do when a car accident occurs. This will protect you legally and help expedite claims payment for an accident.
Heard of “claims forgiveness?” We have several auto insurance companies that offer that, as well as diminishing deductibles based on your driving record.EMERGE INSURANCE AGENCY904-677-5884

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Florida Insurance Commissioner – Hurricane Preparation

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Commissioner McCarty Recommends Floridians Prepare for Hurricane Season and Consider Purchasing Flood Insurance CoverageWednesday, April 16, 2014 ​TALLAHASSEE, Fla. – Florida Insurance Commissioner Kevin McCarty recommends Floridians begin preparing now for the 2014 hurricane season and also encourages the purchase of flood insurance for enhanced protection of homes and businesses. Generally, a standard homeowners or business insurance policy does not cover damage from a flood, requiring the additional purchase of flood insurance to fully protect a property. A typical flood insurance policy takes 30 days to become effective, so Floridians should consider making a purchase by May 1, 2014 in order to have coverage in place for the start of hurricane season on June 1, 2014.“Due to Florida’s geographic proximity to water, both on the coast and inland, flooding poses a serious and frequent threat to Floridians,” said Commissioner McCarty. “I strongly recommend that Floridians consider purchasing flood insurance, even if it is not already required by the mortgage lender. Talk with your agent about the appropriate coverage for your home and belongings.” Flood insurance is federally administered through the National Flood Insurance Program (NFIP) and is available to homeowners, renters and business owners who live in a community participating in the NFIP. Floridians make up the largest concentration of flood insurance policyholders in the NFIP. The NFIP allows the purchase of up to $250,000 for property damage and $100,000 for personal contents. Excess flood insurance can be purchased from a private carrier for homes valued at more than $250,000. NFIP coverage is also available for commercial structures at $500,000 for building coverage and $500,000 for contents coverage. Check with your insurance agent for more information about access to the NFIP. Significant rate increases in NFIP policies over the past 12 months were recently ordered to be rolled-back and planned annual increases to be moderated. “The fact is, now is the time to buy a flood insurance policy if you need one,” said McCarty. In addition to the NFIP, there are a limited number of private insurance companies in Florida that offer this type of coverage. The Office of Insurance Regulation (Office) supports expanding the private flood insurance market in Florida to provide more affordable coverage and is working with the Governor’s Office and Legislature as they consider alternatives to address this important issue on behalf of Floridians.For information about insurance companies in Florida who are currently writing primary or excess flood insurance outside of the NFIP, a list is available that is based on information filed with the Office. The companies represented on the list may only write a limited number of policies or certain types of flood policies, such as for high value homes. The list can be accessed at: http://www.floir.com/Sections/PandC/FloodInsurance/FloodInsurance.aspx. Commissioner McCarty has also prepared a video message to consumers with hurricane preparedness tips. The video is available on the Office’s new “Hurricane Season Resources” webpage, which also features important contact and consumer information from theDepartment of Financial Services, Florida Division of Emergency Management and theNational Association of Insurance Commissioners. This webpage will be updated throughout the 2014 hurricane season to include any Executive Orders issued by the Governor and/or Emergency Orders issued by Commissioner McCarty.To learn more, visit the new Hurricane Season Resources webpage.
EMERGE INSURANCE AGENCY904-677-5884

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Renter’s Insurance

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What is Renters Insurance? Renters insurance protects your personal property against damage or loss, insures you in case someone is injured while on your property, and provides money for expenses if you can’t live in your home or apartment. The premiums for renters insurance average between $8.50 and $15 per month depending   and size of the rental unit and the policyholder’s possessions. To determine how much renter’s insurance you need and compare rates, call us.EMERGE INSURANCE AGENCY904-677-5884

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What Does A Homeowner’s Insurance Policy Cover?

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Homeowner insurance covers damage from incidents such as fire, theft, and vandalism to your house, adjacent structures like a garage or shed, and your personal belongings. It covers living expenses if your house becomes temporarily unusable, and liability in case you or a member of your household injures someone or damages their property.Do You Have An Adequate Amount Of Dwelling Coverage On Your Policy?You are properly covered if your policy’s value is enough for you to rebuild your house if you had a total loss. Since the replacement cost of your house can vary over time because of inflation, the costs of labor and building materials, and renovations you may make to your home, you should review your coverage every few years. We can help you with this review.

We encourage you to take advantage of a free review of your policy and a calculation of the Replacement Value of your home, especially if you have had the same amount of coverage in your policy since its inception.EMERGE INSURANCE AGENCY904-677-5884

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Do You Have Enough Coverage To Replace Your Home If Destroyed?

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If the you have lived in your home over ten years, and the coverage level in your homeowner’s insurance policy have not changed during that time, you may be underinsured.Think about all the upgrades you’ve made to your home (floors, kitchen, bathrooms, etc.). Well the Coverage A (Dwelling) amount in your homeowner’s policy doesn’t take those upgrades into consideration.  That amount also doesn’t take into consideration the cost to rebuild your home in today’s dollars (unless your policy  has an endorsement for inflation). Construction costs increase over time, and the cost to rebuild your home with similar materials and workmanship could be higher than the amount that you could currently sell your home for.  

For a free no obligation review of your current policy and the replacement value of your home, call us.EMERGE INSURANCE AGENCY904-677-5884

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