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Declare Your Independence – Don’t Be A Product of Advertisement

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Spending by insurance companies for advertising directed toward you is over $4 billion a year. The ability to buy more advertisements doesn’t make one company better than another.Geico is spending over $1.7 billion a year on advertising, and that fact alone is the reason they passed Allstate to be the # 2 auto insurance this year. Now get ready for more Allstate ads!!Do you have the right coverage and value, or have you been most concerned with having the right brand?

EMERGE INSURANCE AGENCY904-677-5884

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More People Need To Consider Gap Insurance

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When your only goal is to get the lowest possible premium for auto insurance, what happens when there is a gap between the actual value of your vehicle and what you own on it when the vehicle it totaled? As an independent agency we represent many top-rated companies. That means we can shop for the coverage and affordability that meets your specific needs. Many of these companies offer gap insurance at just low cost.EMERGE INSURANCE AGENCY904-677-5884

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Progressive Insurance – Your Driving Habits Can Save You Money

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How it works—A little device is the key to saving
Plug.Day 1The Snapshot device fits right into a little port in your car, generally located below the steering wheel.
Drive.Days 1-30Progressive  looks at your driving habits to see if you could be saving more. You can track your projected savings online.

Save.Day 31Now your rate is fully personalized; any discount you earned is in full effect. Simple! (And these FAQs cover the little details.)

Call us to get started with personalizing your insurance premium.EMERGE INSURANCE904-677-5884

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Progressive Snapshot

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Progressive is one of the top-rated auto insurance companies we proudly represent.
What is Snapshot?Snapshot is a unique usage-based insurance program that gives you a personalized rate based on your driving. The better you drive, the more you can save.

Want more information on how to turn your good driving into huge savings on car insurance?EMERGE INSURANCE904-677-5884

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What Insurance Coverage Do You Need For Your Home-Based Business

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If you run a home-based business, it won’t be covered by your basic home insurance. You’ll need to buy extra insurance coverage.7 Things to Consider 1.      Business equipment, inventory and suppliesIf you keep these at home but haven’t itemized them in your home policy, most policies will limit how much you can claim. If you travel with a laptop or other business equipment, you may need extra insurance. 2.      Employees or clients coming to your homeYour home policy won’t cover you if employees or clients get hurt while in your home. 3.      Providing services at a client’s siteYou may need insurance to protect yourself from any claims that a client might make after you complete your work and leave. Examples: personal trainers, housekeepers. 4.      Using your car for business purposesYou’ll need special car insurance. 5.      Claims against products you sellYou may need insurance to protect your business against any claims that your product does not work well. 6.      Claims against services or professional adviceYou may need to protect yourself and your clients. For example, malpractice insurance protects you from claims if a treatment goes wrong. Or you may need insurance to protect yourself if a client sues you because your advice was poor, incomplete or just plain wrong. 7.      Lost incomeYou may need disability insurance in case you’re hurt or unable to work. Also consider insurance to cover your lost revenue if a disaster like a fire or flood hits your businessWe have companies that have liability and property coverage product specifically for home-based businesses. EMERGE INSURANCE904-677-5884

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Your car is totaled – How Much Will Insurance Pay?

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A vehicle is considered a total loss if the insurance company determines that the total cost to repair your car to pre-accident condition, plus fees for storage, salvage and a replacement rental car (if included in your policy), is more than a certain percentage of car’s retail value. Insurers set their own allowable percentage, within state-mandated guidelines (typically around 60 to 75 percent), and use their own formulas to determine a car’s value and estimated repair costs.Thus, if your $4,500-valued 2002 Honda Civic sustains $1,800 worth of damage — moderate bodywork and repainting these days — it might be deemed totaled, even though the engine still runs fine. On the other hand, a late-model Mercedes could sustain far greater damage and still be considered salvageable.

EMERGE INSURANCE904-677-5884

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