Personal Insurance in florida

Get the coverage you need with personal insurance.

What Is Personal Insurance?

A personal insurance policy is a contract designed to protect individuals, families, and assets from financial loss. The three main types of personal insurance are health, life, and property & casualty. Personal insurance can help you pay for unexpected medical bills, make up for lost income if you’re unable to work, and repair or replace your belongings if damaged or destroyed.

How Does Personal Insurance Work?

Personal insurance policies are contracts between you and an insurance company. You pay the company’s premiums (the cost of your insurance), and in exchange, the company agrees to pay for certain financial losses that might occur during the policy period.

Most personal insurance policies contain two types of coverage:

Property Insurance

Property insurance helps protect your home and belongings from damage or destruction. It can cover repairs to your home if it’s damaged by fire, wind, hail, water, or another covered peril. It can also reimburse you for replacing your belongings if they’re destroyed in a covered event.

Liability Insurance

Liability insurance helps protect you from being sued for bodily injury or property damage that you or members of your family cause to other people. It can also help pay for legal expenses if you need to go to court.

Condos & Apartments

Manufactured & Mobile

Home

High-Value Homes

Flood Insurance

Antique Classic Cars

Motorcycle

Car & Trucks

Protect Your Family With Personal Insurance

No one ever expects bad things to happen to them, but when they do, it’s comforting to know that you have insurance to help you through the tough times. Personal insurance is a vital part of any family’s security system. It can provide peace of mind in knowing that you and your loved ones are taken care of financially if something happens to you.

There are many different types of personal insurance, so finding the right policy for your needs is essential. Whatever your needs, personal insurance can give you the peace of mind that you and your family are protected in case of an emergency.

Frequently Asked Questions

Q: Which is the best personal insurance?

A: There’s no one-size-fits-all answer to this question, as the best personal insurance for you will depend on your specific needs and circumstances. However, some factors you may want to consider when choosing a personal insurance policy include coverage limits, deductibles, and premiums. It’s also essential to ensure that your chosen policy is from a reputable insurance company.

Q: How much personal insurance do I need?

A: Again, this will depend on your specific needs and circumstances. However, a good rule of thumb is to purchase a policy with coverage limits that are high enough to protect your assets in the event of a lawsuit or other financial liability. You may also want to consider a policy with a higher deductible if you’re healthy and don’t anticipate needing much medical care.

Q: What does personal insurance cover?

A: Generally, personal insurance policies will cover you for damages or injuries that you cause to others. This includes bodily injury, property damage, and legal fees. Some policies may offer additional coverage for lost wages or medical expenses.

Q: How much does personal insurance cost?

A: The cost of personal insurance will vary depending on several factors, including the coverage limits you choose, your deductible, and the insurer you use. However, you can typically expect to pay somewhere between a few hundred and a few thousand dollars per year for a personal insurance policy.

Q: Do I need personal insurance if I have health insurance?

A: While you may have some coverage through your health insurance policy, it’s important to remember that health insurance generally only covers medical expenses. On the other hand, personal insurance will cover you for damages or injuries you cause to others. This means that even if you have health insurance, you may still want to consider purchasing a personal insurance policy.

Why Choose Us

Reach Us Now

Are you looking for a reliable and affordable personal insurance coverage in Florida? If so, you’ve come to the right place. At Term Brokers Insurance Services, we understand the importance of protecting your home and belongings, and we’re here to help you find the perfect policy for your needs. Contact us today at 850-864-2000 to learn more!