Must Have Auto Insurance for Teens

Before adding your teen to your auto insurance policy, talk to your agent at Seascape Insurance Group Inc. in Apalachicola, FL about your auto insurance coverage. As teen drivers are more prone to causing accidents, you may want to upgrade your coverage to ensure your teen has the protection he needs on the road. What kind of coverage should you have for your teen?

Liability

Liability auto insurance coverage is mandatory in most states. Standard limits, however, can be quite low, offering little protection against serious accidents.  Keep in mind that you will be held liable for damages in accidents your teen causes. This puts you at greater risk of financial loss. By raising your liability limits to $100,000 for personal injury and property damage, you can get the protection you need.

Comprehensive

If you don’t have comprehensive insurance, consider getting it for your teen. This coverage protects your vehicle against theft, vandalism, windshield damage, inclement weather, fire and accidents with animals. It’s better to be safe than sorry when it comes to protecting your vehicle.

Collision

Even if your teen is a careful driver, he’s at greater risk of causing an auto crash due to having limited driving experience. The more often he drives, the greater his risk of causing an accident. Collision insurance will pay for damages to your vehicle in the event of an accident so these repair costs don’t come out of your pocket.

Roadside Assist

If your teen will be driving at night or making recreational trips to the park, campground, lake, etc., roadside assist will be a lifesaver in the event of a flat tire or unexpected breakdown. With roadside assist, you can have peace of mind that help is just a phone call away for your teen.  

For auto insurance coverage to protect your entire family, contact Seascape Insurance Group Inc. in Apalachicola, FL.

Protect your business’ inventory with a comprehensive commercial policy

Business owners in the greater Apalachicola, FL area are sometimes confused on the level of coverage they need for their comprehensive commercial policy. If you are uncertain that you have the appropriate amount of coverage, contact the team at Seascape Insurance Group Inc. for a review of your policy. There are many different ways to calculate the coverage level that you need your commercial policy to cover, and a professional insurance agent can help remove the guesswork from the process. Enjoy the peace of mind that comes with knowing that your commercial policy has the inventory protection that your business needs! Don’t put off reviewing your policy because you are confused or unsure exactly what you need.

The right comprehensive commercial policy can also protect your inventory

If you keep your inventory onsite, it is likely covered as part of your property coverage. Commercial insurance can sometimes be confusing, but knowing that you have the coverage you need, and at the appropriate level, can set your mind at ease. When you evaluate your commercial insurance policy you can confirm that your coverage is at a sufficient level to cover your inventory. Bear in mind that your inventory levels will likely fluctuate throughout the year, and be sure that your coverage is tied to the highest rate, not the lowest. Working with a professional agent who understands the complexities of commercial insurance is the right way to ensure that you have the right policy for all of your business’ protection needs. 

Ready to have a policy review or learn more about the comprehensive commercial policy options available to your firm, contact the team at Seascape Insurance Group Inc. We are here to serve the needs of the business owners in the greater Apalachicola, FL area.

Do You Have Enough Home Insurance?

All home insurance policies in Apalachicola, FL are not equal, so it’s important to review your policy to see if you are underinsured. An agent at Seascape Insurance Group Inc. can help you determine if you have enough insurance, but you can also review your policy on your own.

Start by understanding your policy and what coverage you have. Actual cash value coverage will reimburse you for the value of your home, based on its current condition. If the house was built ten years ago, windows, appliances, and cabinets are sure to have depreciated. This is why many insurers recommend replacement cost coverage, but to get the most out of this, you need to have enough coverage and not just insure at the market value.

What your home could sell for isn’t necessarily the same as what it would take to rebuild. Look at construction costs in the area for some guidance. Replacement costs can be affected by new building codes that were set up after the home was built, remodeled kitchens, any additional structures or rooms, and the rising prices of construction and building materials.

It’s important not to neglect any valuables and your liability. Some valuables may not be covered by your policy, such as jewelry or furs, and you may need a rider or endorsements for these. Many policies will also only pay cash value on content. Calculate how much it would cost to replace your belongings by taking a home inventory. Even a partial one is better than nothing, since you may underestimate the number of belongings you have.

A lot of homeowners also don’t pay enough attention to their liability. You should have enough liability coverage to protect most of your assets. Also, certain dog breeds are considered more high risk, and you may need more insurance if you own one.

Contact Seascape Insurance Group Inc., serving Apalachicola, FL, to get a quote on home insurance.