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701 Riverside Park Place
Suite 202, Jacksonville, FL 32204

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Featured Insurance Blog

What Type of Auto Insurance Covers Vandalism?

Auto insurance covers several types of occurrences. Theft and vandalism can occur at any time or place. The agents at 925 Partners offer residents in Jacksonville, FL a full line of auto insurance policies so they can purchase exactly what they need. Each agent can explain what type of policy is best for your vehicle and what kind of coverage is offered by each one. Florida requires that insurance be carried on all vehicles driven on public highways to ensure that all residents are protected from financial loss.

Comprehensive Covers It All

Comprehensive is the only type of full-coverage offered when it comes to auto insurance. Comprehensive insurance covers both theft and vandalism. Other policies only cover damage that is related to an accident or collision. Comprehensive policies are designed to compensate you (or your lender) in case your care is damaged in any way.

Damage Caused by Theft

Theft and vandalism often go hand in hand. If your car is broken into, there will more than likely be some type of damage. Damage can also be caused if your care is stolen. In either case, the only way to receive compensation for your damages is to have a full-coverage, comprehensive auto insurance policy in place.

At 925 Partners, the agents offer Jacksonville, FL residents the type of auto insurance policies they need to protect their vehicles adequately. Having full coverage on a newer car is essential and often required by your lending institution. Call and talk to one of the agents today to find out what type of policy is best for you. You can also schedule an appointment and visit our office for a policy review. 

Is Commercial Insurance Required in Florida?

There is no one-size-fits-all commercial insurance policy for your business in Jacksonville, FL. Still, some parts of commercial insurance will be required if you want to operate a business in the state of Florida. There are two types of commercial insurance required in the state, but an agent at 925 Partners can help you determine which coverage is best for your business, even if it isn’t required. 

If you want to operate a business in Florida and have four or more employees, whether part-time or full time, then you will need to have workers compensation insurance. If you run a business in the construction industry, then you must have this type of commercial insurance, even if you have only one employee. Workers’ compensation covers medical bills for any work-related illnesses or injuries. If you have business-owned vehicles in the state, then you will also need to have a commercial auto insurance policy. The policy should have $10,000 for liability for bodily injury and $10,000 for property damage liability. Just like personal auto insurance, it covers property damage and injuries after accidents. Keep in mind that a personal auto policy will generally exclude you if you are using your car for commercial purposes.

Even if it is not required, it’s still best for businesses to have some added liability protection. General liability can be needed to cover common risks, such as customer injuries and property damage. Professional liability insurance can be used to protect you if your work depends on the expertise and includes things such as client lawsuits. Depending on the size of your business, you may be able to get a business owner’s policy to help you bundle general liability insurance and property insurance and protect your company against a variety of different business risks.

Contact 925 Partners in Jacksonville, FL to get a quote on commercial insurance.

Do I need to create a home inventory?

Owning a home comes with a lot of responsibility. As a homeowner, you are responsible for the care of your home. Part of that care involves choosing the right home insurance. You want to make sure that you have adequate coverage and that you are dealing with a reputable company. At 925 Partners in Jacksonville, FL, we are Independent Agents, and we offer insurance products from the highest quality carriers in the business. 

A home inventory is something that every homeowner needs to consider. While everyone hopes that they will never have to deal with a catastrophic event, having done a home inventory will allow the claim process to be a lot less painful. Most people have many more possessions than they realize. Imagine trying to remember what was in your linen closet after a house fire or a hurricane? It doesn’t take a lot of imagination to understand how stressful that would be. 

A home inventory provides the proof you need to verify the things that were in a room before it was damaged or destroyed. Depending on how much damage there is, there may not be much left to remind you of all that you had. A home inventory is a combination of a list, photos or videos, and receipts. It should also include as much detail as possible. 

It is bad enough having to go through a catastrophic loss, trying to reconstruct your home room by room and closet by closet is just too much to ask. So to answer the question, do I need to create a home inventory, the answer is yes and as quickly as possible. Be sure to store it away from your home in a safe place. When you are ready to discuss your home insurance needs, give us a call or stop by at 925 Partners in Jacksonville, FL for a no-obligation quote. 

What are the Benefits of Classic Car Insurance?

If you live in the Jacksonville, FL area and are a car lover, getting a classic car can be an ultimate dream. Since these are not typical vehicles, you need to get an insurance policy that is designed for the needs that come with a classic car. Several benefits come when choosing to acquire a classic car policy for your antique vehicle.

Appropriate Coverage Amount

One of the main advantages that come with getting a classic car policy is that you can get a proper level of insurance coverage. With standard auto insurance, a car is viewed as a depreciating asset, and your coverage will reflect this. When you have a classic car, you are going to want to get more coverage that reflects the market value of the antique vehicle. With a classic car insurance policy in Jacksonville, FL, you can negotiate with the insurance provider and get to an agreed-upon value that reflects the market value. 

Risk Reflects Driving Habits

One difference between a classic car and a traditional vehicle is that you will drive the antique far less. You can get an insurance policy that reflects this reduced driving frequency. This can then result in lower insurance premiums for you going forward. 

Picking a classic car insurance policy is a big decision. If you are confused about your options, it would be a good idea to contact our office. The team at 925 Partners can assist with any of your needs when it comes to choosing a classic car policy. 925 Partners is ready to partner with you and determine your needs. Contact our office for more information on how to get a quote.

3 Ways to Protect Your Assets with Umbrella Insurance

If you have considerable assets, you may be a candidate for umbrella insurance. Umbrella insurance gives you extra liability protection above the limits of your home, auto or renter’s liability coverage. Liability coverage is the part of your insurance that protects you against injuries or property damage to other people in accidents you cause. If you cause an accident where injuries or damage exceeds that of your primary liability coverage, umbrella insurance will pick up where your other policies leave off. In this case, umbrella insurance from 925 Partners in Jacksonville, FL can protect your valuable assets from serious mishaps you may be held responsible for.  

Here are three ways an umbrella policy can benefit you:

  • Bodily Injury – If you’re found at fault for a home or auto accident that causes severe injuries to someone, you could be held responsible for paying his or her medical costs. The high cost of hospital and doctor bills could easily deplete the limits of your home or auto liability coverage. If so, umbrella insurance will kick in to pay for remaining medical costs, saving you from financial loss. 
  • Property Damage – In like manner, umbrella insurance can be used to pay for damage to others’ property in accidents you cause. Umbrella coverage begins once the limits of your primary liability coverage have been exhausted. This saves you from dipping into savings, retirement, or investment funds to cover these costs.
  • Actions that Can Lead to Lawsuit – If you’re found guilty of slander, libel, or other acts that cause people extreme mental anguish, you could be sued for damages. Umbrella liability insurance can help cover your legal costs and settlement, up to the limits of your umbrella policy.

To learn more about umbrella insurance and the benefits it has to offer, call us to visit us at 925 Partners in Jacksonville, FL.

Is Flood Insurance Necessary To Obtain Financing For A Home?

Certain types of insurance may be necessary in order to obtain or keep financing for a home or a similar space. Before making a purchase, find out if you live in an area prone to flooding and find out more about government flood insurance designed to protect you from flood-related losses.

Flood Insurance For Homes

If you live in a coastal or lakeside area, your finance company may require you to have flood insurance to help prevent losses from a variety of instances. Be sure to ask your real estate agent or broker about insurance requirements and then contact our reputable insurance agency to find out more details. We can help guide you through the process and get a level of coverage that provides ideal protection in these instances. 

An Experienced Agency

The best way to get the right insurance is to work with an established agency. Those who live in or near the Jacksonville, FL area can inquire about flood insurance options at 925 Partners. We have skilled agents who are knowledgeable about the various flood insurance options and can help buyers get the right coverage to satisfy the finance company before buying a home. Being informed and having a friendly, professional on your side is the best way to acquire full protection from flooding and other threats.

If you are searching for flood insurance in the Jacksonville, FL area, call or stop by 925 Partners to get answers to questions and find out more about flood insurance policies. This is the only way to truly protect a home from losses as a result of flooding.

Four Reasons Every Parent Needs to Invest in Life Insurance

Do you have kids? Our 925 Partners team in Jacksonville, FL has put together a list for moms and dads regarding life insurance. Here are four reasons every parent needs to invest in life insurance.

Reason #1: Funeral Expenses

Perhaps the most important reason for parents to get life insurance is for funeral expenses. The cost to bury or cremate a loved one can easily be in the thousands—a cost that a grieving spouse and children might not have without a life insurance policy.

Reason #2: Loss of Income

In most cases, the loss of income of the parent who has passed away is a big deal for a family. Thankfully, the lump sum from the life insurance policy could be used to help pay the mortgage, keep up with utilities, or otherwise allow the same standard of living until additional arrangements can be made.

Reason #3: Replace the Value of a Stay-at-Home Parent

What about stay-at-home parents? Do they need life insurance, too? The answer is, yes! A parent that manages the household and watches the children is harder to replace than one that works for an outside company. Having a policy on hand can help you afford additional help, such as babysitters or cleaning services, to help temporarily fill the void while your family gets used to a new sense of normal.

Reason #4: College Expenses and Savings for the Children

Another reason to have life insurance is for college expenses and savings for the kids after the death of a parent. The funds from a life policy can be set aside to fund these hefty future expenses, creating a better future for the child even though they no longer have a living parent.

Of course, these are just a few of the many reasons why parents should have some form of life insurance. There is a variety of options when it comes to a policy.

Ready to learn more? Contact our team at 925 Partners in Jacksonville, FL to schedule your no-obligation coverage review appointment.

What does a comprehensive auto policy cover

Owning a vehicle in Jacksonville, FL comes with plenty of challenges. One of them should not be your auto insurance. The team at 925 Partners is here to make sure that you have the coverage that you need to not only meet the basic Florida requirements but to make sure you and your vehicle are protected. Most people would assume that a comprehensive auto policy would cover everything that could possibly happen to your vehicle, but this is one case where the name of coverage is not clear evidence of what it actually does for you. 

Comprehensive auto coverage

Comprehensive auto insurance is sometimes called "other than collision coverage." Collision insurance covers your vehicle when it is in an accident with another vehicle. But there are many other things that can damage or destroy your vehicle. Unfortunately, deer and other large animals risk colliding with vehicles in rural areas. If you have comprehensive coverage, you will be able to get your vehicle repaired or replaced. 

Weather is a major factor all over the country and Florida is no exception. Heavy winds caused by hurricanes can topple trees and send debris flying. In the event that your car happens to be in the way, it will be covered. Florida also experiences hail and it can also damage your car. Your comprehensive coverage will help get your vehicle repaired. 

One major thing that comprehensive insurance covers is theft. If your vehicle is stolen, you will have the coverage you to need to replace it. 

When you are ready to purchase auto insurance or you would like to discuss your current policy, our team at 925 Partners is ready to help out. Stop by our Jacksonville, FL office or give us a call and let us make sure that you have the coverage that you need. We will gladly give you a no-obligation quote.

3 Commercial Insurance Tips for Jacksonville Area Business Owners

Commercial insurance can make the difference between overcoming a catastrophe and having to close one’s business. 925 Partners is here to help guide business owners in the greater Jacksonville, FL area during the commercial insurance selection process. These three tips can help you find a policy that provides the appropriate coverage and the right level to help keep your business protected.

3 Tips for Choosing a Commercial Insurance Policy

  • Calculate your inventory when it is at its highest level — Inventory can be a significant asset that can be difficult to value as it fluctuates throughout the year. Make sure that your protection level is equal to the highest level of value.
  • Your commercial fleet or other vehicles that are used for business purposes — If your business relies on your fleet to get the job done, it can be devastating to have those vehicles off the road. Make sure that you have coverage that will protect you during those downtimes. The same holds true if your employees are using their own vehicles for business. Make sure that your policy provides all of the coverage you need. 
  • Make sure that your liability protection is adequate — Slip and fall accidents and other liability situations can cause some severe headaches for business owners. If you are in an industry that experiences a high level of liability risk, be sure that your commercial policy provides adequate coverage. Working with a local agent to determine the right coverage can make all the difference.

Ready to learn more about how the right commercial insurance policy can help keep your Jacksonville, FL area business protected? Contact the team at 925 Partners today and let us help you with all of your insurance needs.

Home Buyer’s Guide to Insurance

The housing market in and around Jacksonville, FL is growing strong, meaning more people are looking to buy homes. This is an exciting time to be a buyer, but it can also be a confusing experience. 925 Partners wants to make the process easier. That’s why we’ve put together this short, handy guide to help navigate home insurance for new buyers.

Do I need home insurance?

The state of Florida does not require homeowners to insure their property. However, there is a good chance your mortgage company will. Furthermore, a homeowner’s insurance policy will cover your house in the event of a disaster. Without an insurance policy, you will end up having to pay for any damages alone.

Can property features affect my insurance?

The location and condition of your chosen home can affect the kinds of insurance you’ll need. Some property features to consider when looking for a home include:

  • Special Features – Swimming pools, hot tubs, and large fountains all require technical care and, therefore, special insurance considerations.
  • Flooding Risks – Flood insurance is never covered by a standard homeowner’s policy. If the area is prone to flooding, you’ll want a specific flood insurance policy.
  • Coastlines – If your chosen home is closer to the Florida coast, you’ll want to consider coverage for windstorms and hurricanes. 
  • Age and Condition – Older homes can carry higher liability risk, especially if they are poorly maintained. It’s crucial to inspect the condition of the roof, foundations, and fixtures. A home that is not up-to-date with modern codes can be extra hazardous during a disaster.

What should I do before I buy? 

Contact your home insurance professional to get estimates and qualifications on the houses you have your eye on. 925 Partners of Jacksonville, FL offers policies across the state of Florida, and we can help you select the perfect policy before you move in. We can also answer any questions you have about coverage online, by phone, or in person. 

 

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