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701 Riverside Park Place
Suite 202, Jacksonville, FL 32204

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Featured Insurance Blog

Four things you might not know about umbrella insurance

At 925 Partners, we’re here to meet the insurance needs of consumers in Jacksonville, FL. Umbrella insurance coverage is one of the types of insurance coverage we offer.

Some consumers might not be adequately informed about umbrella insurance and how it works. Here are four things you might not know about umbrella insurance. 

A typical umbrella insurance policy is in effect worldwide.

You might not realize there aren’t usually any geographical limits on umbrella insurance policies like other types of insurance. This means that you can enjoy umbrella insurance coverage wherever you travel in the world. 

Umbrella insurance can cover landlords.

If you are a landlord who rents out properties, you should know that umbrella insurance could protect you financially in your commercial ventures. With umbrella insurance, you can enjoy added protection against liability issues you face as a landlord. 

Umbrella insurance is ideal for owners of boats and recreational vehicles.

Owning a boat or a recreational vehicle can create some significant liability risks. With umbrella insurance, you can enjoy peace of mind when using your boat or recreational vehicle since you carry added liability coverage. 

Umbrella insurance complements other insurance policies that you already have.

If you’re concerned that your auto or home insurance isn’t providing you with enough coverage, umbrella insurance is great to have. Umbrella insurance increases your coverage from a home or auto insurance policy. 

Get a quote on an umbrella insurance policy in Jacksonville, FL by calling us today at 925 Partners. We’re here to help you find the best insurance solutions for your financial situation. 

Which family members should have life insurance?

The decision concerning which family members need life insurance depends on the circumstances each family faces. Still, there are common reasons why families ensure family members who play different roles. To help work through how life insurance can help support your family in a time of need, contact our 925 Partners team, serving the Jacksonville, FL, area.

Insuring Family Members

Anyone buying life insurance must have an insurable interest (face financial loss or hardship if the individual passes away) and the cooperation of that individual in the insuring process. So, let’s look at the common reasons for insuring various family members.

  • Heads of Household- Life insurance for spouses or others who are a household’s primary breadwinners or caretakers can reduce the financial hardship of their loss. It is also common to insure the heads of household as a means of building during their lifetime or passing on wealth.
  • Minor Children- Most people only use life insurance policies for minor children to cover funerals and similar expenses. Buying life insurance for children with specific health issues can also help ensure their access to life insurance in adulthood.
  • Adult Children and Siblings- Insuring adult children and siblings can be wise when they are active caretakers or financially support aging parents or other family members since their loss could result in additional elder care expenses. Insurance may also be helpful for adult children and siblings with loans or shared interests in businesses or investments that cause hardship upon their passing.

Working with 925 Partners

Given the many reasons for insuring family members’ lives, our 925 Partners team, serving the Jacksonville, FL area, can help you work through these decisions and select the insurance coverage that best meets your needs.

Why Flood Insurance Is So Important

Flood insurance may not be a type of policy that most people think about very often, but everyone is glad to have it when a flood hits. However, every homeowner should have this type of insurance because of the danger of floods. A flood can cause catastrophic damage to a home. Call us at 925 Partners in Jacksonville, FL, for a flood insurance policy.

Flood Zones in Florida

There are specific areas in Florida that are designated as flood zones. These may be labeled with several years, such as 25. That means the area can expect a flood about every 25 years on average. People who buy homes inside those zones generally require flood insurance. However, flooding can also happen far outside of these zones. About 20% of all flood claims sent to insurance companies come from outside flood zones. That makes it important to have flood insurance whether or not you have a flood zone designation. Flood insurance pays for the repairs or rebuilding needed after a flood damages the home. Home insurance policies don’t cover floods, so don’t rely on your home insurance to pay for flood damage. 

Government Backing

Today’s flood insurance policies are issued through the National Flood Insurance Program. This is a government program that makes funds available for those who have flood damage and flood insurance. The program guarantees it, so homeowners will know that funds will be there in case of a flood. The program sets the specific price of flood insurance so that the price will be the same no matter where you go to buy it. 

Get Flood Insurance

When you need flood insurance, call us at 925 Partners in Jacksonville, FL, to learn more. 

Choosing Your Deductible: Four Factors to Consider

When choosing an auto insurance policy, deciding what level of deductible makes the most sense for your needs can be challenging. At 925 Partners, serving Jacksonville, FL, we’re here to help you choose the right auto policy. Let’s look at what you’ll need to consider when choosing your deductible level for your auto insurance policy. 

Vehicle Value

If you have an older vehicle, it may make sense to choose a higher deductible. Since older cars are more likely to need regular repairs, you may want to use the money you save from selecting a higher deductible for your emergency repair fund. 

Driving Risk

If you’re generally a safe driver, your insurance company will likely consider you low-risk. If your chances of getting into an accident are relatively low, you may want to choose a higher deductible than if your chances are higher.

Consider Your Budget

If you got into a car accident today, how much could you spend on repairs? Consider this when choosing your deductible. If you’re on a tight budget, it might make more sense to choose a lower deductible with higher monthly premiums to afford a repair if the unexpected happens. 

Think About Your Environment

Even if you’re a great driver, those around you may not be. If you live in an area with high fender benders or hit-and-runs, you may want to go with a lower deductible.

Reach Out to 925 Partners, Serving Jacksonville, FL, Today

If you’re searching for a new auto insurance policy, you’re in the right place! At 925 Partners, serving Jacksonville, FL, our team is here to help you find the right auto insurance policy for your needs. Please stop by or contact us today to learn how we can help protect you on the road. 

What are the benefits of having a Florida commercial transportation insurance plan?

The commercial transportation industry continues to be very important as it involves the trucking and shipment of products all over the country. For those in the Jacksonville, FL area, this can be a great business to be in. However, there are always risks that come with being in this industry. One way to protect a business in this industry is by getting a commercial transportation insurance plan, which offers several benefits. 

Protect Assets

A company in this industry will own many assets, including trucks, moving equipment, and other materials. When you have a commercial transportation insurance plan, you will have coverage to protect these assets. This can include ensuring you have coverage if you are involved in an accident or incur a loss due to theft or vandalism, which requires a repair or full replacement of these core assets. 

Liability Risk Mitigation

A commercial transportation insurance plan will also help you reduce liability risks. In this industry, a company takes on many liability risks, including the risk that an accident occurs on the road, loss or damage of cargo, and various other types of liability risks. When you are insured with a full commercial transportation insurance plan, it will provide coverage so you can cover any damages that arise. 

In the Jacksonville, FL area, a commercial transportation insurance plan is essential for anyone that operates in this industry. When you select a plan, it is very important to choose one that is right for your situation. Fortunately, our team at 925 Partners can always help. When you call our team with 925 Partners, you will get the support you need to build a plan to protect your business and assets. 

How to Keep Pets Safe At Home

Your pets are an essential part of your family and the dynamics of your home. At 925 Partners, serving Jacksonville, FL, and the surrounding areas, we know how important it is to you to keep your pets safe, especially when they are in the house or home alone. Let’s look at ways to help keep your pets safe at home. 

Keep Toxic Materials Out of Reach 

If you are a pet owner, you are responsible for staying aware of what items are toxic to your pets. Many items are obviously unsafe, such as chemicals and cleaners. But did you know many items are perfectly safe for people but are very toxic to animals? For instance, chocolate is toxic to dogs and cats. Your pets should be kept away from many seemingly innocent foods and other materials. Talk with your vet to get a full list of what your pet should be kept away from. 

Make Your Home Pet Friendly

It is also essential that you make an effort to make your home pet friendly if your pets will stay inside. This means that they should not be confined in spaces that would make them anxious or in places that would put them in danger. Depending on the season, they also need spaces that are not too hot or cold. 

Protect Aggressive Pets 

This might seem a bit backward because most people think others should be protected from aggressive pets. Still, if you have a pet that struggles with aggression toward other animals or people, keeping that animal in a safe space where it cannot hurt others is your responsibility. 

Contact us at 925 Partners to learn about home insurance options in Jacksonville, FL, and the surrounding areas. 

Common Misconceptions About Classic Car Insurance

If you own a classic car, having the correct insurance to protect this significant investment is crucial. However, there are many common misconceptions concerning classic car insurance. Because of this, it can make decisions difficult. Our experts at 925 Partners in Jacksonville, FL, will help navigate you to the plan that fits you best. Let’s discuss some of the most common myths and misconceptions about classic car insurance to help guide your decision-making. 

Myth #1: Classic car insurance is only available to cars at least 25 years old. 

This myth may be true in some situations; however, there are insurance companies that will cover classic cars that are less than 25 years old. The criteria vary by state and insurance company.

Myth #2: An appraisal is necessary to get classic car insurance.

This myth is another common misconception about classic car insurance. Many insurance companies have methods to help determine a classic car’s value. While appraisals are beneficial in determining insurance rates, they are only sometimes necessary.

Myth #3: Only classic cars kept in a garage or showroom and never driven are covered under classic car insurance.

There are multiple types of classic car insurance coverage available for classic car insurance, including cars that participate in car shows, parades, or vehicles used to drive for fun.

In conclusion, many myths and misconceptions surround the classic car insurance industry. You can find the right classic car coverage by working with experienced classic car insurance like ours at 925 Partners in Jacksonville, FL.

Refrain from letting the myths and misconceptions get in your way of having the proper coverage. For more information on classic car insurance, contact our experts at 925 Partners by calling 855-925-1200 or emailing 

Protect Your Small Business with Umbrella Insurance with 925 Partners

As a small business owner, you know accidents and unforeseen circumstances can hit you anytime. You need to know your business is protected from liability, and umbrella insurance is the best way to guarantee that. Choosing a trustworthy plan is crucial for your business and employees’ well-being.

What is Umbrella Insurance, and Why Does My Small Business Need It?

Umbrella insurance covers a range of liabilities, such as injury and property damage. It can also help with legal fees associated with potential lawsuits. Most importantly, without this type of insurance, an accident or lawsuit could leave you bankrupt and destroy your business.

At 925 Partners in Jacksonville, FL, we assess your business’s unique needs and risks and use that information to determine the coverage you need. 

Preparing for the Unexpected with Umbrella Insurance 

Injuries happen, no matter how many precautions you take. An employee could slip and fall on a wet floor, and the next thing you know, they’re suing you for medical expenses. That’s why you want to be prepared for anything.

A building can sustain damage for a multitude of reasons. Jacksonville, FL residents are aware of the dangers of extreme weather, but that isn’t the only reason why something might go wrong. For example, a plumbing issue could flood part of your business and make it uninhabitable until the situation is resolved. 

Call 925 Partners Today to Learn More 

It would be best if you worked with an insurance agency you trust. With umbrella insurance at 925 Partners in Jacksonville, FL, you will receive the personal attention you deserve. With our help, you can return to running your business knowing you’re protected in an emergency. Call us at (855) 925-1200 today to learn more. 

Peace of Mind: Why Life Insurance is Essential for Florida Residents

As residents of Jacksonville, FL, it’s essential to consider what steps we can take to protect our loved ones in the event of the unexpected. One critical way to do this is by investing in life insurance. Life insurance provides peace of mind when you know it will lessen the financial burden on your family if something happens to you.

925 Partners in Jacksonville, FL offers life insurance policies designed to fit different budgets and needs. 

Invest in Your Family’s Future

No one can predict the future, and accidents can happen to anyone. So it’s crucial to have a plan to protect your family and ensure they have the financial support they need. Life insurance can help cover funeral costs, outstanding debts, and mortgage payments. It can also provide a source of income for your loved ones if you pass away.

Your insurance agent can advise you about the pros and cons of term life and whole life insurance. 

Term life insurance policies typically cover policyholders for a set period, typically between 10-30 years. It’s ideal for those who want to care for their loved ones during a specific time frame when their children are young or while they’re paying off a mortgage.

On the other hand, permanent life insurance provides coverage for the rest of your life. It also includes a savings component, which can grow tax-free over time and be used for various purposes, such as paying for college tuition or supplementing retirement income.

Protect Your Loved Ones

Life insurance is an essential investment for Florida residents. Don’t wait until it is too late – protect your loved ones today by investing in life insurance.

Contact 925 Partners for a quote today! 

What is the benefit of getting flood insurance in Jacksonville?

Owning real estate can be a great idea in the Jacksonville, FL area. When buying a home, you should spend time assessing your insurance options and needs. One type of coverage to consider getting is flood insurance, which is ideal if you risk flood damage. Many benefits come if you do obtain this coverage. 

Protect Your Dwelling

An important reason for anyone to get a flood insurance policy is that it can cover their dwelling. Those in the Jacksonville area likely know how much damage a flood can cause. Unfortunately, standard home insurance plans do not always offer support for flood damage. Because of this, you will want to know that you are covered, and a full flood insurance policy will offer the financial help you need if a flood damages your home. 

Meet Lender Requirements

Getting a flood insurance policy is also a good idea, as it can help you meet your lender requirements. If you have taken out a mortgage, the lender will require certain forms of insurance. If your home is in a flood zone, this will require you to carry a flood insurance policy at all times. In many cases, you will also need to establish escrows to ensure payments continue to be made. 

People who purchase a home in the Jacksonville, FL area need to ensure that they have proper insurance. If you are evaluating your insurance needs, call our team at 925 Partners. We understand the value of flood insurance and can help you determine your needs and options. This can ensure you remain appropriately covered at all times. 


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