A Fort Lauderdale FL Insurance Broker Can Help You Protect Your Most Valuable Assets

By Mary Badder


People insure everything from their cars to their homes in order to protect them against loss. For Florida natives, a Fort Lauderdale FL insurance broker can help ensure they have the right policies for all their valuable assets.

If you are making payments on your car, the lien holder will require that you purchase comprehensive coverage. When a vehicle is stolen or damaged in some way, this policy provides repair and replacement. Comprehensive coverage also includes a set amount to pay medical expenses you might have, and if you are at fault, the other motorist's medical costs.

Fort Lauderdale insurance agents offer coverage to homeowners and renters. Homeowners policies cover damage to the home's structure and other structures on the property (sheds, fences). Personal belongings are protected, too. Homeowners may obtain extra coverage for especially valuable items.

If a storm or fire makes your home uninhabitable, your policy should cover the cost of temporary lodgings. Once the damage is repaired, and you have returned to your home, the provider will stop your relocation allowance.

Condominium owners also need homeowner's policies, but they are different from the coverage for a single family home. Your condo policy covers your personal possessions and the interior of your unit. The condo association has policies in place to cover common areas and walls.

For renters, policies include personal liability coverage and protection for furniture, clothing, personal items, and other belongings that are in the home or elsewhere.

There are temporary policies available for special events. They cover damage or loss.

Large personal property items such as boats are usually insured by their owners. When you have an accident on the water, your policy will pay to repair the damage to the boat. It should also cover any injuries sustained by the passengers.

There's protection for businesses, too. Insurance agents offer several coverage options, including business owner's packages, windstorm and flooding, business income, umbrella policies, and general and products liability. Commercial property and auto coverage are also available. Business owners can protect their employees and assets with health benefits, workers' compensation coverage, and more. The Fort Lauderdale FL insurance broker works with a variety of business classes.




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