Insurance

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

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

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

Watch this, and you will understand my plea. Set a good example by being an attentive driver.

Call us to take advantage of Good Student discounts and the many other discounts available from the many auto insurance companies we represent. EMERGE INSURANCE AGENCY904-677-5884

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

New boat, being financed by a lender, the trailer, while at your home, in transit for an day on the the water, older boat – so many things to consider and have protection for.
Call us to review you needs, and a solution from one of the top-rated boat insurance companies we represent.EMERGE INSURANCE904-677-5884

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

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

Your personal auto policy is not designed for business use, and there could be coverage gaps that would impact you and your business financially
We provide commercial auto for one  vehicle or a fleet of vehicles through many top-rated companies.EMERGE INSURANCE904-677-5884

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