How to Choose Commercial Insurance in Florida

What Types of Commercial Insurance Are Available in Florida?

A few commercial insurance types are available in Florida, including the following.

  1. Property insurance
  2. Liability insurance
  3. Workers’ compensation insurance
  4. Automobile insurance

How Much Does Commercial Insurance Cost in Florida?

The cost of commercial insurance in Florida will vary, and premium costs depend on the type and amount of coverage you need.

For example, property insurance rates will be based on the replacement value of your property. In contrast, liability insurance rates will be based on the amount of coverage you need and the type of business you operate.

Consequences of Not Having Commercial Insurance in Florida

Suppose you do not have the proper amount of commercial insurance in Florida.

Without commercial insurance to protect your business, you could be held liable for damages or injuries on your property.

Additionally, your business could be sued and forced to pay expensive legal fees. In some cases, your business could even be forced to shut down!

How to Choose Commercial Insurance in Florida

The first step to choosing the best commercial insurance is determining your needed coverage.

Talk to a knowledgeable commercial insurance agency at Karla Salmon Insurance in Oviedo, FL, to learn about the insurance options for your business. Expert insurance agents at Karla Salmon Insurance can provide you with a commercial insurance quote that best suits your needs and budget.

The next steps are to review your policy options and choose your commercial insurance premiums, coverages, and policy add-ons. Once you’ve completed all the necessary steps and your premium payment, your insurance agent can officially activate your commercial insurance policy in Florida!

Get Commercial Insurance in Oviedo, FL

Contact a licensed commercial insurance agent at Karla Salmon Insurance for a free quote!

Three Tips to Keep Your Home Safe From Vandalism and Theft

It’s crucial to ensure that your Oviedo, FL home is protected from burglary and vandalism. While crime rates may decrease in certain areas, that doesn’t mean you should become complacent with home security. Here are three simple tips from Karla Salmon Insurance that can help keep your home safe from vandals and thieves.

Install an alarm system

An alarm system helps protect your home from vandalism and theft by alerting you to an intrusion. You can do this through motion sensors, door/window contact sensors, glass break detectors, and other types of sensors. When the alarm is triggered, an alarm will sound, a notification will be sent to you, and in some cases, the police will be alerted. This gives you the time to take action and prevent or reduce the damage caused by vandalism and theft.

Use outdoor lighting

Outdoor lighting can deter would-be vandals and thieves by making it more difficult for them to hide in the shadows and remain undetected. Additionally, outdoor lighting can make it easier to identify suspicious activity, allowing homeowners to call the police if they see something out of the ordinary. Finally, outdoor lighting can provide an additional layer of security by providing visibility to areas around the home that may be susceptible to break-ins.

Secure doors and windows

Securing doors and windows can help protect a home from vandalism and theft by making it more difficult for intruders to access the house. The use of deadbolts, keyed locks, or other security measures on the doors and windows makes it harder for an intruder to enter the home, reducing the likelihood of a break-in. Additionally, visible security measures can deter potential criminals, who may move on to an easier target if they see that your home is secure.

Karla Salmon Insurance is a locally owned and operated insurance provider serving Oviedo, FL. We are dedicated to ensuring that our clients feel secure with their home insurance coverage. We understand the importance of having reliable insurance protection, and we strive to provide outstanding service and competitive rates. Contact us today!

Towing the Line

If you wear your seat belt, you may survive an auto accident without even a scratch. The same might not be said about your car. After insurance is exchanged and the police have taken reports, there’s still the genuine problem of getting a no longer viable vehicle off the street. In Florida, that can cost anywhere from $75 to $125, depending on the distance towed. If it’s only somewhere between five and ten miles, it’s $50 minimum. Who gets the bad news? 

Roadside Assistance

If you add roadside assistance coverage to your auto insurance, this may cover towing expenses. This is if your car breaks down on the road due to mechanical failure, out of gas, a nail in the tire, etc. If you need towing due to another driver’s mistake, they may have to pay for your towing through their liability insurance. Keep in mind that Florida is an At-Fault state. Also, remember to check your policy and hold on to those receipts. 

Making Roadside Assistance Work for You

You could call the tow company, pay upfront, hold onto the receipt and let your insurer reimburse you later. Or you could call your insurer and let them make the towing arrangements for you. Remember, there may be a limit to your insurer’s willingness to pay. If your problem is a dead battery or being out of gas, your insurer may make arrangements for you to get what you need to have your car moving on its own again rather than call the tow truck. If you have an electric vehicle, the roadside assistance coverage may cover a tow to a charging station. Please read the whole thing to find out what you can get before you need it. 

Karla Salmon Insurance Serving Oviedo, FL 

If you feel like you need your insurance policy explained, Karla Salmon Insurance will help you understand everything clearly. 

Is Auto Insurance About Compliance Only?

You have probably invested in car insurance because it’s mandatory. For instance, Florida requires all motorists to invest in property damage liability and personal injury protection. But should you invest in car insurance because your state requires it? Karla Salmon Insurance in Oviedo, FL differs. Car insurance is more than just compliance. Here are the reasons.

State-required car insurance isn’t adequate.

Your mandatory car insurance is just a minimum. For instance, Florida only requires $10,000 each for PIP and property liability insurance. When faced with significant accidents, these amounts can only go far in protecting you.

We often advise our clients to increase the limits of the state minimums. For example, we advise clients to consider combined property damage and bodily injury liability coverage of above $300,000. If you need higher liability coverage, we recommend investing in umbrella insurance.

Similarly, a requirement of $10,000 for PIP is just too low, given the high cost of healthcare in the US. We usually advise you on the appropriate PIP amount after evaluating your health insurance coverage. We can advise you on balancing the two policies for optimal benefits.

Basic insurance doesn’t cover you.

In most cases, mandatory car insurance only protects third parties but not you and your vehicle. Considering that, it’s advisable to opt for optional car insurance policies. If you want to protect your vehicle from risks like fire and collisions, invest in comprehensive and collision policies. These insurance policies repair or replace your car when lost or damaged by a covered peril.

Car insurance in Florida

There are enough reasons to purchase more than the state-required car insurance. All-rounded car insurance gives you optimal protection and peace of mind throughout your car ownership. Want to buy car insurance in Oviedo, FL? Please get in touch with Karla Salmon Insurance for affordable car insurance.

 

Hurricane Damage Covered by Home Insurance

Karla Salmon Insurance serves the city of Oviedo, FL with the home insurance it needs to protect the typical American’s most significant investment – their home. In Florida, hurricanes frequently make landfall, damaging homes.

More than just coastal homes incur damage. The rains and winds of a hurricane damage inland homes, too.

Covered: Wind Damage

Your home insurance covers some of this damage. If high winds damage your home, your home insurance covers the damage.

Uncovered: Rising Water Flood

If the rain causes water levels to rise and your home floods, your home insurance does not cover that. Only a flood policy covers that.

Covered: Wind Damage Caused Flooding

However, if winds damage your roof and rainwater enters the home through the wind damage, your home policy does cover that water damage.

Covered: Hail Damage

Hail from the thunderstorms that spawn from a hurricane, the home policy covers. Also, if the hail breaks windows or damages the roof, the home policy does cover the ensuing water damage.

Covered: Mold or Mildew Caused by Roof Damage

If the water that enters the home from above causes mold or mildew, then the home coverage pays for it. Only flood insurance covers if mold or mildew develops because of a rising water flood.

Contact Us

As you can tell, a fine line exists between what home insurance covers from a hurricane and what it does not. Your best line of defense against paying out of pocket for hurricane damage remains proper insurance.

Meet with an agent from Karla Salmon Insurance to learn how best to protect your home from hurricane damage in Oviedo, FL. Let our agency help you determine which policies, riders, and endorsements will best protect your Florida home. When a hurricane hits, ensure your insurance covers the damage to protect your financial security.

Commercial Insurance Tips for New Business Owners

Starting a new business is hard work. There are so many things to think about – from the products or services you offer, to the branding and marketing, to the day-to-day operations of your company. And that’s just the beginning. One thing that can be easy to forget in this excitement is ensuring your business is adequately insured. Commercial insurance can provide peace of mind, knowing that you and your company are protected in case of an accident or unexpected event. This post will give you tips on what to look for when purchasing commercial insurance for your new business. Keep reading for more information.

1. Consider the Risks of Your Business

Start by assessing the risks associated with your business. For example, what are the chances of someone being injured on your property? Do you have any equipment or inventory that could be damaged or stolen? Are you providing a service that could result in a lawsuit? Once you’ve identified the risks, you can start looking for policies covering those potential problems.

2. Consider the Size and Scope of Your Business

Another factor to consider when choosing commercial insurance is the size and scope of your business. If you’re a small business with just a few employees, you may not need the same level of coverage as a larger company. On the other hand, if you have a lot of employees or operate in multiple states, you’ll need to ensure your policy covers those risks.

3. Shop Around for the Best Policy

Once you know what you need, it’s time to start shopping around for the best policy. There are a lot of insurance companies out there, so take your time and compare different policies. Ensure you understand what each one covers and how much it will cost. You should also check out the company’s financial stability to make sure they’ll be able to pay out if you need to make a claim.

4. Read the Policy Carefully

Once you’ve found a policy that looks like a good fit, take the time to read it carefully. Make sure you understand all of the coverages and exclusions. You don’t want to be caught off guard if something happens and your policy doesn’t cover it.

5. Review Your Policy Regularly

Your business will change over time, so regularly reviewing your commercial insurance policy is essential. Please ensure the coverage is still appropriate for your business and update it as needed.

Get Commercial Insurance in Oviedo, FL

These are just a few tips to help you start commercial insurance for your new business. For more information or a quote, contact Karla Salmon Insurance today. We’ll be happy to help you find the right policy for your business.

The Best Scenic Drives in Central Florida

The first thing that comes to mind when you think of Florida is probably the beaches, the theme parks, and all of the nightlife. However, looking closely, you’ll also find other hidden gems. At Karla Salmon Insurance, we are proud to serve the Oviedo, FL, area, so we’ve put together this list of scenic drives that showcase the best our region has to offer!

The Florida Black Bear Scenic Byway

This 123-mile drive takes you through the heart of Ocala National Forest, where the black bear population is at its most robust. And there is much more to see as you traverse the Big Scrub ecosystem! Stop along the way to explore some of the state’s prettiest lakes, like Lake George or Lake Kerr.

Green Mountain Scenic Byway

A cyclist’s dream, this byway is an exciting route of winding curves and rolling hills along the west side of Lake Apopka. Start at Mount Dora and enjoy the many recreational areas and wildlife watching spots along the way south to Winter Garden. These lovely towns both enjoy putting on shows, festivals, and more, so there’s always a reason to explore.

Indian River Lagoon National Scenic Byway

This drive takes you along the Indian River Lagoon, one of the state’s most impressive and unique natural refuges. This barrier island system is protected from development and is a beautiful home for dozens of Florida’s endangered species. The closeness to the Kennedy Space Center makes this a perfect educational day trip!

Conclusion

There is no denying that driving around Florida is an incredible experience. There are many more scenic byways than we could hope to fit here. If you’re an Oviedo, FL driver, ensure you have the right car insurance. Reach out to Karla Salmon Insurance today!

Why Every Homeowner Needs Home Insurance

When you own a home, there are many things you need to do to protect your investment in that home. It’s essential always to have home insurance to do just that. Home insurance protects you in multiple ways, and no homeowner should be without it. When you need a home policy for your house, contact us at Karla Salmon Insurance in Oviedo, FL.

It Protects Your House

One of the most important types of coverage in a home policy is protection for the actual dwelling. There is a wide range of incidents that can happen to a house and cause damage to it. There are calamities, accidents, and many different disasters that can damage a home and require repairs to be made. The repair bills are all yours to cover when you don’t have home insurance. With home insurance, you can have the repairs paid for to get your home back to normal again. 

It May Be Required

Another good reason to have home insurance is that it’s generally required for anyone with a mortgage. Virtually all lenders require that a buyer have and keep home insurance so that the home is protected in case of damage. Even if your home is paid off and you no longer have a lender, it is likely required by your homeowners’ association. 

It Protects Your Belongings

Another type of coverage in home insurance policies is protection for all of your items inside your home. This coverage is vital in case of a damaging incident to your home that ruins your belongings. With this coverage, you can start replacing your items quickly. 

Protect Your Home and Possessions

When you need home insurance, there’s no time to wait. Call us at Karla Salmon Insurance in Oviedo, FL.

What Florida residents need to know about homeowner’s insurance

Karla Salmon Insurance is proud to serve the insurance needs of the greater Oviedo, FL area. We want to help you protect your home and offer a range of different homeowner’s policies. If you want to learn more about the available options, give us a call today!

Homeowner’s insurance in Florida

Our homes are likely the largest investment we make during our lifetime, and it only makes sense to protect them. If you are a Florida resident, you may be wondering how you can find the proper homeowner’s policy for your needs.

Choosing the right policy for your family home does not need to be confusing. You will need to consider the house’s value and its contents to start. When you have a better idea of the amount of insurance you will need, you can begin to review the various available policies.

There is no right or wrong answer for insurance, but you will want to have your needs covered. When you meet with your local agent, you can better understand your needs and how to meet them best. Anyone buying their first home should meet with their insurance agent as soon as possible.

Our homes are sanctuaries, and having the right insurance to protect them is an integral part of responsible homeownership. Find out more about your options today! 

Protect your home with the proper homeowner’s policy

If you want to make sure that your home has the protection it needs, the team at Karla Salmon Insurance is here to help! Oviedo, FL area residents can count on us for their insurance needs. Call or stop by today!

Updating Your Home Insurance After Renovations

At Karla Salmon Insurance, we always want your Oviedo, FL home to receive the protection from homeowner’s insurance it deserves. We want to address the importance of updating your policy with us when you renovate or remodel your home.

Understanding the Value

When you purchased your home, you also purchased a home insurance policy, which insured your property as-is. That means your insurance policy insures your home as it was when you purchased it. If you read your policy in full, you’ll see that it specifies your home’s value. That value changes when you renovate or remodel.

If one of the perils named in your policy occurred today, your policy would pay you for the value of your home named in the policy documents. That means you would receive the amount of your home as you purchased it, even if you had poured $100,000 into remodeling it. You might have put in a new kitchen, added a bathroom, and converted the attic to a bedroom and bathroom, but if you did not update your insurance with us, we know and add to the policy that added value, it isn’t covered.

We recommend that when you consider making renovations, you contact us. We can help you with a construction policy that covers your added liability while having construction workers in the home. We can also update your home policy as soon as the renovations finish and receive a review from the city code enforcement office.

We also recommend taking a close look at the language used in your policy. Whether the policy provides actual value or current value makes a difference in the amount you would receive for repairs or rebuilding if a peril, such as a fire or a tornado occurred and your home incurred damage.

Contact Karla Salmon Insurance serving Oviedo, FL for more information on updating your home policy. Renovation isn’t the only reason to update it. Call us today!