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FYI Don’t Buy Cheap Florida Condo Insurance by David Degen

As an insurance broker for 15+years and a client as well, I would like to point out why Florida condo insurance is so important to purchase properly.
Many insured’s are purchasing insurance based on the cost rather than on the product itself.
Seems you have to buy insurance since Florida passed the condo insurance requirement law or your mortgage lender demands you have coverage on your property. So you make some calls or jump on the internet hoping you find dirt cheap Florida condo insurance for almost nothing.
As they say you will get what you pay for. First of all you need to understand the insurance basics and the intent of the product. Condo insurance like other insurance products is not to reimburse you for minor losses of $500 or $1000, you could probably do that yourself by not paying the premium for one to two years. Insurance is a product to help you maintain a quality of lifestyle you may have worked hard and long to achieve.
For example, you worked hard & planned long to buy your condo so you could finally be the king. You spent a lot to renovate or buy nice things for your castle and even had to borrow to make it perfect. Shortly after a hurricane came along and managed to destroy the homestead. All those nice things ruined and the place looks like a scene from the war in Iraq. You bring the experts in to help you restore the castle, they estimate your going to need $38,000 to make it right again. The association will not help you as their policy only covers the common areas and not the interior of your apartment. The government won’t help you either and you’re going to have to try to get another loan to pay for it.
This situation would significantly change your lifestyle for whatever period of time until you can rebuild and recoup the losses. With a simple condo insurance policy this situation would cost you a small price of a deductible and you would have nothing to worry about.
Of course many of you refuse to live in realty and think it could never happen to you.
Your not susceptible to fire, theft, water damage, tornado damage, hurricane, flying objects
until it happens. I have realized there are certain amount of statistics the insurance companies don’t share with the public such as claims.
For example, if your paying a Florida condo policy about $700 a year then in ten years you may have paid in about $7,000. One small claim in that period could result in an average loss of about $25,000. The insurance companies know they will need to pay at least one claim for every insured every 10 years. Taking this into account the longer you hold on to your policy consistently over a long period of time may provide security and benefits when you need it most.
And buying cheap condo insurance is ignoring reality and ending up with high out of pocket expenses and receiving an inadequate amount to make you whole again when tragedy strikes. I have seen this happen to many past clients with condo, home, auto insurance.
Now for the important part, how to buy good and adequate amount of insurance. For some it’s easier than others but for all they seem never to choose the right amounts.
We will discuss Coverage A Dwelling, this insurance coverage insures the interior construction of your apartment. Such as floors, walls, ceilings, bathrooms, kitchen etc.
Never choose the amount of Coverage A based on property sales value or purchase price or tax assessor values. This coverage needs to be estimated of a total value to rebuild the interior of your apartment. As a general rule we use an estimated fixed amount of $60 to $80 per square foot.
To fully insure your apartment interior you would multiply the square footage by cost. Such as a 1000 sq ft times $60 would require $60,000 of coverage A to replace the interior at 100%.
Coverage C contents or personal property refers to everything else including appliances, TV’s, furniture etc. There is usually a minimum the carrier requires to be maintained and anything above that needs to be calculated by you as no other person will have the same exact items in their apartment.
Personal liability is also important and typically the choices are either $100,000 or $300,000 which may cost about $15 more for the higher. This will protect you from damage to others if they should file lawsuits against whether you were negligent or not.
These are the key important coverage’s to choose from and there are others with less importance which we will get in to next time.
When choosing a carrier in Florida you will not have many choices as the major players have all left the state many years back. Look for one that is admitted by the state. This means it has registered with the state and is approved to be legitimate. If they should not be able to pay claims the state will make good from the reserve it holds to pays such claims when companies default.
They should also have some type of rating of A- or better and may not be rated by AM Best or Moody’s as they are not in their league. Make sure your carrier has an 800# and call them to see how fast they will pickup the phone if you need to make a future claim.
The agent is a broker and will pair you with a proper company. The company is who you want to deal direct with after if you have a claim or billing issue, the agents job is strictly policy service. Try to use email service for contacts & service, it’s more reliable and faster to get your needs met.
Remember, choose proper coverage’s with a well rated admitted company without worrying about the costs as the key decision. In the long term it will pay off.

David Degen of CheckUp Financial Inc. has been in the insurance business since 1996.
Originally from NY, Mr. Degen relocated to south east Florida and established CheckUp Financial. A Florida based Property and Casualty agency where Mr Degen brokers property insurance throughout the entire Florida state. Through the companies referrals and websites they are going through a fast growing process poised to become one of Florida’s leaders in Property and Casualty insurance agencies.

For more information and Fl condo insurance quotes please visit our sites at:
http://www.FLCondoInsurance.com
http://www.FLHomeInsuranceS.com

Article Source: http://www.earticlesonline.com/Article/FYI-Don---t-Buy-Cheap-Florida-Condo-Insurance/877788

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Check out these fine shops that offer King Minor Damage products:

3 Series Damage Helmet $89.99 O'Neal Racing 3 Series Damage Helmet All the look of a pro at a fraction of the price!? The 3 series helmet is sure to get you noticed.? Covered in big bold graphics that stand up and scream, the 3 series is the perfect fit for the weekend warrior out for a play ride. Features: Rear vents for improved aerodynamics Intake and exhaust vents for ventilation and cooling Exceeds DOT, ECE 22/04 and AS standards Removable, washable liner Replacement liners / cheek pads and visors available

King Seat $323.99 Saddlemen King Seat The King Seat™ offers the good looks of a low-profile custom saddle, combined with luxurious driver comfort in a large bucket seat, unsurpassed back support and a thick, comfortable passenger pad SaddleGel™ in the driver's position increases comfort and circulation by reducing tailbone pressure and resulting "hot spots" Split-cushion design separates lumbar support and forward seat cushion so they compress independently, reducing tailbone and hipbone pressure Covered with black SaddleHyde™, our durable, waterproof, soft-touch material for good looks and supple comfort

King and Queen Seat $279.95 Drag Specialties King and Queen Seat Features a black vinyl covering with a 12" diamond stitch on a foam-injected foundation Requires a sissy bar For custom narrow rigid frame applications Made in the U.S.A. Click Here for Round Sissy Bar for Hard-Tails

King Seat with Driver Backrest $503.99 Saddlemen King Seat with Driver Backrest The King Seat™ offers the good looks of a low-profile custom saddle, combined with luxurious driver comfort in a large bucket seat, unsurpassed back support and a thick, comfortable passenger pad SaddleGel™ in the driver's position increases comfort and circulation by reducing tailbone pressure and resulting "hot spots" Split-cushion design separates lumbar support and forward seat cushion so they compress independently, reducing tailbone and hipbone pressure Covered with black SaddleHyde™, our durable, waterproof, soft-touch material for good looks and supple comfort Removable driver's backrest has adjustable vertical and horizontal positioning

King Pin Ball Joint Kit $23.95 EPI King Pin Ball Joint Kit Excellent quality replacement part Includes: All spacers, pins and bushings required to replace worn components

Road King Windshield Bag $83.95 T-Bags?Road King?Windshield Bag T-Bags provides superior value by combining convenience, quality and versatility into every product they put onto the market. The Heritage Windshield bag is no different, crafted from 1680d, fade-resistant nylon and YKK zippers and hardware this bag is made to last and if it doesn't T-Bags has a lifetime warranty.?It's time to add cargo capacity and style to your Harley with T-Bags luggage. For the Harley-Davidson Road King with quick release 16",18" or 22" windshield and OE handle bars Adds 500 cu. in. of capacity to your machine 4- interior pockets make it easy to keep your cargo organized and secure 2 wire grommets make using electronic devices hassle-free Easy installation...this bag attaches in minutes Does not fit King-Size Nostalgic Detachable Windshields Not made for bikes with tall ape hangers 9" X 14" X 4.25" Lifetime Warranty Click Here for Additional Luggage Information

Road King Leather Saddlebag Liner $35.99 Road King Leather Saddlebag Liner Road King Classic O.E.M. Saddlebag Liners from River Road are constructed with quality water-resistant materials 2-way zippered opening Interior side and lid pockets Interior tie-down straps Includes a 1-year manufacturer's warranty Dimensions: 11 3/4"W x 10-3/4"H x 4"D Click Here for Additional Luggage Information

2012 312 Damage Off-Road Motorcycle Helmet $99.99 A poorly-fitting helmet doesn't do any good. Click here to learn how to properly fit your helmet.

Riggpaks CTB-950 King Tourer $242.99 Nelson-Rigg Riggpaks CTB-950 King Tourer Made from durable long lasting UV-treated Tri-Max polyester Full Foam construction on all sides allows it to hold its shape, even when empty Attaches to your backrest using our unique Full-Nelson mounting system Can be mounted to rest on luggage rack or on the seat with larger mounting system to accommodate wider backrests as found on the H-D Road King) Fold-out rigid plate prevents bag from sagging even when main compartment is expanded Included roll bag can be mounted separately Padded carrying handle riveted for strength and durability Integrated pocket conceals padded backpack straps turning your RiggPaks into a comfortable backpack Four side pockets, two of them expand up to twice their size Large office organizer keeps track of cell phone, maps, pencils, pens, keys, etc Oversized heavy-duty zippers with pulls are reliable and easy to operate with or without gloves Security loops on the bottom of bag allows you to cable lock it to your bike Highly reflective webbing helps enhance safety for night riding Heavy-duty combination lock and internal rain liner is included Lifetime No Hassle warranty Measures: 14in. L x 18in. H x 8in. W Unexpanded, 14in. L x 18in. H x 10in. W Expanded Click Here for Additional Luggage Information

Road King Leather Tour Pack Liner $31.99 Road King Leather Tour Pack Liner Road King Leather O.E.M. Saddlebag Liners from River Road are constructed with quality water-resistant materials 2-way zippered opening Interior side and lid pockets Exterior small zippered pocket on lid Interior tie-down straps Detachable shoulder strap Includes a 1-year manufacturer's warranty Dimensions: 17"W x 11"H x 14-1/2"D Click Here for Additional Luggage Information

Suzuki B-King Black Series V.A.L.E. M-2 Dual Slip-On Street Exhaust System $1064.98 The entire line of Two Brothers Racing's M-Series canisters feature the highest level of quality construction and are designed to be fully serviceable in the event of damage, routine maintenance or the occasional repack. The Two Brothers Racing Black Serie

Suzuki B-King Tank Pad $29.95 Rascal Grafik Suzuki B-King Tank Pad RASCAL GRAFIK tank pads are special, each tank pad is manufactured for a specific bike... you will now get a tank pad designed specifically for the shape of your tank, this way your sure that there will be no: folding marks, non-sticky corners, oversize stuff or non-protected surfaces (critical ones)... these tank pads are made of 1st quality pigmentation process printed vinyl, UV protected (for discoloration) and then covered with translucent flexible epoxy gel... with explosive designs that fit your bike colors and lines. Measurement: Height: 10 1/2'' (26.3cm) Width: 9 1/2'' (24cm) **Note: Model specific tank pads are cut to fit specific years and models but are universal in that they will fit most bikes

Replacement King Size Windshield $101.95 Now riders can replace their OEM windshield with the size and color of their choice Seven gradient translucent colors as well as clear and solar tint Made of Lucite for excellent optics and durability Available for five models in up to four different heights - pick a size that's right for you Perfect fit with OEM hardware Reinforced holes; guaranteed for life against stress fractures or star cracks from the holes **Note:? These windshields do not fit all models; be sure to check all?measurments first to ensure proper fit. (Refer to image for measurements diagram)

Case Savers $22.99 Yoshimura Case Savers Yoshimura R&D Case Savers for the new sport bikes not only help protect your engine cases in the event of a minor fall, but also look trick with an engraved logo. Designed to reduce damage in the event of a light crash or scrape, the Case Savers are just enough to help get you back to the pits or back home without having to worry about losing oil. Case Savers are CAD designed from billet 6061-T6 Aluminum and CNC machined for perfect fitment Each Case Saver is Magnasonian? finished to improve durability and looks, and finally CNC etched proudly with the Yoshimura R&D logo Easy to install in minutes without any need to remove the factory engine case covers, gaskets or fairings **Note: Size, shape, color,?and logo design may vary slightly depending on model

Rubber Gage Cover $2.99 Protects Accugage head from damage Fits all Accugages

Dresser/Road King Chrome Passenger Board Mounts $129.99 Replace the stock black mounts on your '93-'10 Dresser or Road King. They accept stock or most accessory passenger footboards.

Conversion Kit for New-Style Skids $45.95 Control the working level of your blade Extra-duty abrasive-resistant steel works longer than standard skids The Conversion kit allows for minor shock absorption, smoothing operation and reducing wear

Piston Pin Puller $28.95 Drag Specialties Piston Pin Puller Removes pins from all sizes of pistons Won't damage piston or connecting rod

Jet and Needle Carrier $7.95 Parts Unlimited Jet and Needle Carrier Stores 22 main jets without damage Wrench included

Rim Lock $4.1 New style has heavy duty metal base Covered with strong rubber Eliminates tube pinching and casing damage

Universal Pipe Protector $31.99 Protect your pipe from damage that costs horsepower Form fitting guard comes with mounting clamps

Radiator Guards $31.99 Helps prevent expensive radiator damage Deflects debris from cooling fins Mounting hardware included Made in the USA Aluminum design

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