We are specialists in Florida homeowners insurance. Most importantly our ability to shop the market among most of the top-rated companies, allows us to meet your needs for protection and affordability.
EMERGE INSURANCE
904-677-5884
904-677-5884
Multi-Line Insurance Agency
WWW.EMERGEINSURANCE.COM - FLORIDA INDEPENDENT COMMERCIAL/BUSINESS & PERSONAL LINES INSURANCE AGENCY
Friday, June 27, 2014
Five Huge Insurance Mistakes People Make
Five big mistakes to avoid when making decisions about your homeowners insurance.
Thursday, June 26, 2014
Home Based Bussiness
The United States has experienced a rapid growth in home-based businesses in the last decade. The U.S. Census Bureau reports that there are now more than 11 million home-based businesses in the country, a figure that is expected to rise in the coming years.
But if you run a home business, losses associated with that business may not be covered under your homeowners policy unless special coverage endorsements are added. Some insurers sell an endorsement that covers losses associated with a home-based business. We can quickly find out if such an option is available.
But if you run a home business, losses associated with that business may not be covered under your homeowners policy unless special coverage endorsements are added. Some insurers sell an endorsement that covers losses associated with a home-based business. We can quickly find out if such an option is available.
Call us for a risk assessment of your home-based business.
EMERGE INSURANCE
904-677-5884
904-677-5884
Wednesday, June 25, 2014
Progressive RV Coverage
It isn't just a car, it isn't just a mobile home, it is an expression of your way of life. Because of that, regular auto insurance just won't cut it. With Progressive RV insurance you can be assured that you will be covered with things like, Total Loss Replacement, Vacation Liability, Pet Coverage, and Disappearing Deductibles.
At Emerge Insurance Agency we offer a wide variety of different plans including Progressive. Call, email, or visit our website for a quote.
EMERGE INSURANCE
904-677-5884
At Emerge Insurance Agency we offer a wide variety of different plans including Progressive. Call, email, or visit our website for a quote.
EMERGE INSURANCE
904-677-5884
What Exactly is Flood Insurance?
Living in Florida, flood insurance is certainly something you've heard a bit about. But you may have questions as to what it covers. Or, you may think that your homeowners policy covers flood.
At Emerge Insurance we have a wealth of knowledge on different insurance policies that would fit you best. Call us for a free quote.
Tuesday, June 24, 2014
How Should I Insure Expensive Items In My Home?
A clear route of communication between you and your insurance agent is extremely important, especially when making sure that expensive family possessions are covered. When you buy that new HDTV, along with that $10,000 surround sound system your first call should be to your insurance agent.
At Emerge Insurance we pride ourselves in our easy accessibility, and dedication to our clients. Call us for a free quote.
EMERGE INSURANCE AGENCY
904-677-5884
EMERGE INSURANCE AGENCY
904-677-5884
Should I Drop My Full Auto Coverage?
Depending on your vehicle you may be wondering if you need to keep full coverage, or simply just liability insurance. If you have a newer car it is wise to continue full coverage. However, when a vehicle is 8 or more years old, and depreciates significantly you may not need everything included in full coverage.
We are experts in the area of Florida auto insurance. We shop the market and find the appropriate coverage, and premium based on the client's unique needs.
EMERGE INSURANCE AGENCY
904-677-5884
EMERGE INSURANCE AGENCY
904-677-5884
Monday, June 23, 2014
PIP Coverage. What Is It? And Why It's Required in Florida.
If you live in Florida, whether you know it or not, you are required to get Personal Injury Protection Insurance Coverage; sometimes called "no-fault" coverage. Being that PIP is a requirement in this state it's important to understand just what it is.
Emerge Insurance is an Independent Insurance Agency, meaning we are not beholden to only one insurance company. We have the ability to survey the market for the best policy suitable for clients.
EMERGE INSURANCE AGENCY
904-677-5884
Do You Know Everything You Need To Do When Filing An Auto Insurance Claim?
More than 220 million motor vehicles clog America's roads today, making it likely that someday you will have an accident and file an auto insurance claim.
The good news is that in most auto accident claims, personal injury isn't the problem.
Sixty-three cents of every claim dollar goes to [pay for] physical damage on your car, Every insurance claim requires some kind of proof of damage or injury before a carrier will pay, and this video offers very helpful guidance.
The good news is that in most auto accident claims, personal injury isn't the problem.
Sixty-three cents of every claim dollar goes to [pay for] physical damage on your car, Every insurance claim requires some kind of proof of damage or injury before a carrier will pay, and this video offers very helpful guidance.
Claims forgiveness? We have companies that offer that feature. As an independent insurance agency, we are able to help you find coverage and affordability to me your unique needs.
EMERGE INSURANCE AGENCY
904-677-5884
904-677-5884
Saturday, June 21, 2014
In What Month Do The Most Car Accidents Occur?
In the United States, summer is the season with the most car accidents. Historically, August has had the highest number of accidents followed, for some odd reason by October.
It is important that you and your family members know what to do when an car accident occurs. This will protect you legally and help expedite claims payment for an accident.
EMERGE INSURANCE AGENCY
It is important that you and your family members know what to do when an car accident occurs. This will protect you legally and help expedite claims payment for an accident.
Heard of "claims forgiveness?" We have several auto insurance companies that offer that, as well as diminishing deductibles based on your driving record.
904-677-5884
Thursday, June 19, 2014
Home-Based Business
The United States has experienced a rapid growth in home-based businesses in the last decade. The U.S. Census Bureau reports that there are now more than 11 million home-based businesses in the country, a figure that is expected to rise in the coming years.
But if you run a home business, losses associated with that business may not be covered under your homeowners policy unless special coverage endorsements are added. Some insurers sell an endorsement that covers losses associated with a home-based business. We can quickly find out if such an option is available.
But if you run a home business, losses associated with that business may not be covered under your homeowners policy unless special coverage endorsements are added. Some insurers sell an endorsement that covers losses associated with a home-based business. We can quickly find out if such an option is available.
Call us for risk assessment of your home based business.
EMERGE INSURANCE AGENCY
904-677-5884
Do You Have Enough Homeowner's Insurance
A Home is the largest investment most people make in their lifetime. About two out of every three homes in America is underinsured. The average underinsurance amount is about 22%, though some homes are underinsured by 60% or more.
Call us for a Replacement Cost Analysis of your home and contents. Make sure your home is covered for all its worth.
EMERGE INSURANCE AGENCY
904-677-5884
904-677-5884
Wednesday, June 18, 2014
Your First Question Should Be How Much Insurance Is Needed.
Shopping for the right amount of car insurance requires some homework, and an evaluation of how much coverage your wallet can handle.
You can always pay less for car insurance, but its important to remember that you typically get what you pay for.
Shopping online has led to a growing number of drivers being underinsured, only finding out once they have a claim.
We are experts in the area of Florida auto insurance. We shop the market the appropriate coverage and premium based on the client's unique needs.
EMERGE INSURANCE AGENCY
904-677-5884
You can always pay less for car insurance, but its important to remember that you typically get what you pay for.
Shopping online has led to a growing number of drivers being underinsured, only finding out once they have a claim.
We are experts in the area of Florida auto insurance. We shop the market the appropriate coverage and premium based on the client's unique needs.
EMERGE INSURANCE AGENCY
904-677-5884
Friday, June 6, 2014
Florida Insurance Commissioner - Hurricane Preparation
Commissioner McCarty Recommends Floridians Prepare for Hurricane Season and Consider Purchasing Flood Insurance Coverage.
Wednesday, April 16, 2014
TALLAHASSEE, Fla. – Florida Insurance Commissioner Kevin McCarty recommends Floridians begin preparing now for the 2014 hurricane season and also encourages the purchase of flood insurance for enhanced protection of homes and businesses.
Generally, a standard homeowners or business insurance policy does not cover damage from a flood, requiring the additional purchase of flood insurance to fully protect a property. A typical flood insurance policy takes 30 days to become effective, so Floridians should consider making a purchase by May 1, 2014 in order to have coverage in place for the start of hurricane season on June 1, 2014.
“Due to Florida’s geographic proximity to water, both on the coast and inland, flooding poses a serious and frequent threat to Floridians,” said Commissioner McCarty. “I strongly recommend that Floridians consider purchasing flood insurance, even if it is not already required by the mortgage lender. Talk with your agent about the appropriate coverage for your home and belongings.”
Flood insurance is federally administered through the National Flood Insurance Program (NFIP) and is available to homeowners, renters and business owners who live in a community participating in the NFIP. Floridians make up the largest concentration of flood insurance policyholders in the NFIP.
The NFIP allows the purchase of up to $250,000 for property damage and $100,000 for personal contents. Excess flood insurance can be purchased from a private carrier for homes valued at more than $250,000. NFIP coverage is also available for commercial structures at $500,000 for building coverage and $500,000 for contents coverage. Check with your insurance agent for more information about access to the NFIP.
Significant rate increases in NFIP policies over the past 12 months were recently ordered to be rolled-back and planned annual increases to be moderated. “The fact is, now is the time to buy a flood insurance policy if you need one,” said McCarty.
In addition to the NFIP, there are a limited number of private insurance companies in Florida that offer this type of coverage. The Office of Insurance Regulation (Office) supports expanding the private flood insurance market in Florida to provide more affordable coverage and is working with the Governor’s Office and Legislature as they consider alternatives to address this important issue on behalf of Floridians.
For information about insurance companies in Florida who are currently writing primary or excess flood insurance outside of the NFIP, a list is available that is based on information filed with the Office. The companies represented on the list may only write a limited number of policies or certain types of flood policies, such as for high value homes. The list can be accessed at: www.floir.com/Sections/PandC/FloodInsurance/FloodInsurance.aspx.
Commissioner McCarty has also prepared a video message to consumers with hurricane preparedness tips. The video is available on the Office’s new “Hurricane Season Resources” webpage, which also features important contact and consumer information from the Department of Financial Services, Florida Division of Emergency Management and the National Association of Insurance Commissioners. This webpage will be updated throughout the 2014 hurricane season to include any Executive Orders issued by the Governor and/or Emergency Orders issued by Commissioner McCarty.
Wednesday, April 16, 2014
TALLAHASSEE, Fla. – Florida Insurance Commissioner Kevin McCarty recommends Floridians begin preparing now for the 2014 hurricane season and also encourages the purchase of flood insurance for enhanced protection of homes and businesses.
Generally, a standard homeowners or business insurance policy does not cover damage from a flood, requiring the additional purchase of flood insurance to fully protect a property. A typical flood insurance policy takes 30 days to become effective, so Floridians should consider making a purchase by May 1, 2014 in order to have coverage in place for the start of hurricane season on June 1, 2014.
“Due to Florida’s geographic proximity to water, both on the coast and inland, flooding poses a serious and frequent threat to Floridians,” said Commissioner McCarty. “I strongly recommend that Floridians consider purchasing flood insurance, even if it is not already required by the mortgage lender. Talk with your agent about the appropriate coverage for your home and belongings.”
Flood insurance is federally administered through the National Flood Insurance Program (NFIP) and is available to homeowners, renters and business owners who live in a community participating in the NFIP. Floridians make up the largest concentration of flood insurance policyholders in the NFIP.
The NFIP allows the purchase of up to $250,000 for property damage and $100,000 for personal contents. Excess flood insurance can be purchased from a private carrier for homes valued at more than $250,000. NFIP coverage is also available for commercial structures at $500,000 for building coverage and $500,000 for contents coverage. Check with your insurance agent for more information about access to the NFIP.
Significant rate increases in NFIP policies over the past 12 months were recently ordered to be rolled-back and planned annual increases to be moderated. “The fact is, now is the time to buy a flood insurance policy if you need one,” said McCarty.
In addition to the NFIP, there are a limited number of private insurance companies in Florida that offer this type of coverage. The Office of Insurance Regulation (Office) supports expanding the private flood insurance market in Florida to provide more affordable coverage and is working with the Governor’s Office and Legislature as they consider alternatives to address this important issue on behalf of Floridians.
For information about insurance companies in Florida who are currently writing primary or excess flood insurance outside of the NFIP, a list is available that is based on information filed with the Office. The companies represented on the list may only write a limited number of policies or certain types of flood policies, such as for high value homes. The list can be accessed at: www.floir.com/Sections/PandC/FloodInsurance/FloodInsurance.aspx.
Commissioner McCarty has also prepared a video message to consumers with hurricane preparedness tips. The video is available on the Office’s new “Hurricane Season Resources” webpage, which also features important contact and consumer information from the Department of Financial Services, Florida Division of Emergency Management and the National Association of Insurance Commissioners. This webpage will be updated throughout the 2014 hurricane season to include any Executive Orders issued by the Governor and/or Emergency Orders issued by Commissioner McCarty.
To learn more, visit the new Hurricane Season Resources webpage.
EMERGE INSURANCE AGENCY
904-677-5884
904-677-5884
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