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What Home Insurance in West Palm Beach, FL Really Covers

Tue, 03 Mar 2026 07:45:19 GMT

Home insurance helps homeowners protect their property and finances, especially in coastal communities like West Palm Beach, FL, where weather risks are part of daily life. Understanding what a policy includes allows homeowners to prepare with confidence rather than react during stressful situations. Contact us today at (561) 586-0029 to speak with an insurance agency serving West Palm Beach, FL, that can walk you through coverage options clearly and patiently.

Many homeowners are surprised to learn that coverage details can vary widely depending on the policy and carrier. Taking time to review homeowners insurance basics helps prevent confusion when it matters most.

What a Standard Policy is Designed to Protect

Most policies are structured around several key coverage areas that work together to protect both the home itself and the items inside it. Home insurance is designed to address common risks rather than every possible scenario.

Coverage For the Structure of the Home

Dwelling coverage helps pay for repairs to the main structure of the home after a covered loss, such as fire- or wind-related damage. This part of home insurance typically includes walls, roofs, floors, and built-in systems. Coverage limits are often based on rebuilding costs instead of market value.

Protection for Personal Belongings

Personal property coverage helps replace items like furniture, clothing, and electronics if they are damaged or stolen. Homeowners insurance may apply to belongings kept inside the home and, in some cases, items temporarily outside the property. Limits depend on the policy terms.

Liability and Legal Protection

Liability coverage helps protect homeowners if someone is injured on their property and medical or legal costs follow. This portion of home insurance is often overlooked but plays an important role in overall protection.

Help With Temporary Living Expenses

Loss of use coverage helps pay for temporary housing and daily expenses if a covered event makes the home unlivable. Homeowners insurance usually includes this coverage for qualifying claims.

Weather Risks That Matter in West Palm Beach

Living in South Florida means preparing for seasonal weather that can impact homes quickly. Home insurance in West Palm Beach, FL, becomes especially important during hurricane season.

Strong winds from tropical storms can damage roofs, windows, and siding. Many homeowners insurance policies include wind coverage, though separate deductibles may apply. Understanding these details ahead of time helps homeowners plan responsibly. Heavy rainfall can also cause water damage if it enters through storm-related openings. Whether damage is covered often depends on how the water entered the home.

Seasonal weather patterns also influence how deductibles and coverage limits apply, which is why reviewing policy details ahead of storm season is important for local homeowners. Understanding how wind, rain, and storm-related damage are addressed helps reduce uncertainty when severe weather occurs. This awareness allows homeowners to make informed decisions long before a claim is ever needed.

Common Situations That Are Often Excluded

While policies provide broad protection, there are limits homeowners should understand clearly. Flood damage is typically not included in standard coverage. Separate flood insurance is often required, especially in areas prone to rising water. This is an important consideration for homeowners in Florida.

Some roof claims may be limited based on age or condition. Damage caused by wear and tear or lack of maintenance is usually excluded under home insurance policies. Maintenance-related issues, such as long-term leaks or mold caused by neglect, are also commonly excluded.

For a deeper explanation of common exclusions visit the Insurance Information Institute .

How an Insurance Agency Supports Homeowners

Insurance agencies do not issue policies themselves, but they help homeowners understand available options and coverage differences. Home insurance in West Palm Beach, FL, is offered through insurance companies represented by local agencies.

B & B Insurance Agency works with multiple carriers to help homeowners compare options and understand how coverage applies in real situations. This guidance helps make homeowners insurance decisions less overwhelming. Working with an agency serving the local area also provides insight into regional risks that may affect coverage needs.

Why Reviewing Your Policy Matters Over Time

Coverage needs change as homes are renovated, values increase, or household situations shift. Reviewing home insurance periodically helps ensure coverage still aligns with current needs.

Many homeowners review homeowners insurance before storm season to confirm limits and deductibles. Making adjustments early allows more flexibility. Clear explanations from an agency help homeowners feel confident about what their policy does and does not include.

Learning More About Coverage Options

Choosing the right support makes insurance easier to understand. B & B Insurance Agency helps homeowners explore coverage options based on individual needs and risk factors.

Their team focuses on clear communication and practical guidance rather than complex terminology. This approach helps homeowners make informed decisions. To learn more about how we can help you find the right home insurance policy in West Palm Beach, FL.

Take The Next Step Toward Peace Of Mind

Understanding your policy is one of the most effective ways to protect your home and financial stability. Home insurance decisions are easier when information is clear and accessible.

Support from a knowledgeable agency helps homeowners feel prepared rather than uncertain. Call us at (561) 586-0029 now for help reviewing home insurance options in West Palm Beach, FL, or send us a message to get started today.

Mistakes Homeowner Make When Shopping for Property Insurance

Thu, 08 Jan 2026 01:41:25 GMT

Are you confident that your current property insurance and home insurance in West Palm Beach, FL, truly offer the protection you need? Many homeowners in the area unknowingly make costly mistakes when choosing their coverage. From selecting the cheapest policy to overlooking flood risks, these errors can leave you vulnerable in an unpredictable coastal climate. Getting the right kind of property insurance can mean the difference between quick, smooth recovery and long financial hardship after disaster strikes. If you want to shield your most valuable asset, it’s crucial to understand these pitfalls and how to avoid them. For expert guidance tailored to your situation, don’t hesitate to contact B & B Insurance Agency.

Choosing the Cheapest Policy Without Proper Review

One of the biggest mistakes homeowners make is opting for the lowest-priced property insurance policy right off the bat. While a cheaper premium might sound appealing, it often means less coverage. Many discounted policies come with hidden exclusions, substandard claims service, or lower limits that may not cover all your needs if disaster occurs.

Choosing the right home insurance in West Palm Beach, FL, means balancing price with protection. Carefully review every policy detail and consult an expert about what’s included—a small upfront investment in proper property insurance can save thousands on repair bills later. Never compromise on essential coverage just to save a few dollars each month.

Underinsuring Your Home and Possessions

Another common error is underinsuring your property. Many homeowners don’t accurately estimate the replacement cost of their home or belongings. This often happens because people confuse market value with replacement cost—they insure based on what they’d sell the home for, not what it would cost to rebuild after a total loss.

In West Palm Beach, where weather events like hurricanes can cause extensive damage, underinsurance can have devastating financial consequences. With stricter building codes and rising construction costs, rebuilding your home could be far more expensive than anticipated. Ensure your property insurance covers 100% of your home’s replacement cost, including potential debris removal and code upgrades.

Ignoring Flood Risks Is a Dangerous Oversight

A critical mistake West Palm Beach homeowners frequently make is ignoring the potential for flooding. Most standard homeowner policies exclude flood damage, yet properties in coastal Florida are vulnerable to flooding from hurricanes, storm surge, heavy rains, or rising water tables.

Flood insurance is typically a separate policy backed by the National Flood Insurance Program or private insurers. Failing to purchase flood insurance when living in high-risk areas can mean facing massive out-of-pocket expenses if your home floods. Don’t rely on hope—speak with an insurance specialist to understand your flood risk and explore affordable flood insurance options to complement your property insurance in West Palm Beach, FL.

Misunderstanding Deductibles and How They Impact Your Costs

Many property owners don’t fully understand how deductibles work or how to balance them with their premiums when selecting property insurance. Choosing a high deductible can lower your monthly premium, but it means you’ll pay more out of pocket before your insurer kicks in during a claim. On the other hand, a low deductible results in higher premiums but reduces your expenses when you need to file a claim.

Picking the wrong deductible amount on your property insurance policy can lead to financial stress when it’s least expected. It’s also important to check if your policy includes separate deductibles for wind or hurricane damage—common for coastal Florida homes—as these can be higher than standard deductibles and significantly impact your costs during storm season.

Neglecting Optional Coverages That Matter in West Palm Beach

Many homeowners focus solely on basic coverage and overlook valuable riders or optional protections that can be crucial in West Palm Beach. For example, endorsements for hurricane damage, windstorm protection, or extended replacement cost coverage can dramatically improve your payout after major weather events.

Also, consider additional coverage for valuables such as jewelry, art, or electronics, which standard policies may limit. These add-ons may increase your premium slightly but provide peace of mind knowing your belongings are properly protected.

Failing to Review and Update Your Policy Regularly

Insurance needs change as your life and home change. Renovations like room additions, new roofs, or upgraded interiors increase your home’s value and replacement cost. Buyer’s markets fluctuate, building materials can surge in price, and insurance regulations evolve.

Many homeowners make the mistake of buying a policy and never revisiting it. This oversight can lead to coverage gaps when you need it most. Ideally, review your policy with your agent annually or after any major home improvement or purchase to ensure your property insurance keeps pace with your current needs.

Why These Mistakes Are Particularly Costly in Coastal Florida

West Palm Beach homeowners face unique challenges due to the region’s coastal location, seasonal hurricane activity, and flood zones. Mistakes like underinsuring or ignoring flood risk can cause enormous out-of-pocket expenses after storm damage, leaving families financially devastated.

The area’s unpredictable weather landscape means insurance mistakes have higher stakes than in many other parts of the country. Choosing comprehensive property insurance with adequate limits, flood protection, and hurricane-related coverages is essential to protect your investment and peace of mind.

Secure the Best Protection for Your West Palm Beach Home Today

Don’t risk your home and savings by making common insurance mistakes. At B & B Insurance Agency, we understand the complexities of property insurance in West Palm Beach, FL, and are committed to helping local homeowners find the right coverage. Our knowledgeable team will assess your unique situation and recommend policies that protect your home, possessions, and financial future.

The safety of your home and family is too important to leave to chance. Call B & B Insurance Agency today at (561) 586-0029 or visit our contact page to speak with an expert who can help you customize a reliable insurance plan. Protect your West Palm Beach investment with comprehensive home insurance in West Palm Beach, FL, that you can trust—don’t wait until it’s too late.

How a Local Insurance Agency in West Palm Beach, FL, Helps

Tue, 09 Dec 2025 02:40:12 GMT

When it comes to protecting your home in West Palm Beach, FL, having the right coverage matters. Coastal living brings unique challenges—from hurricanes and flooding to saltwater corrosion—that require specialized insurance solutions. B & B Insurance, a trusted local insurance agency, understands these risks and offers policies tailored to safeguard your property and peace of mind.

If you own a home in West Palm Beach, FL, call B & B Insurance at (561) 586-0029 to explore coverage options designed for your needs.

Why Local Expertise Matters for Homeowners Insurance

Choosing a local insurance agency is more than a convenience—it’s a strategic decision. Unlike large national companies, local agencies know the area’s specific environmental threats and building codes. West Palm Beach, FL, homeowners face hazards such as:

Hurricanes and high winds
Flooding and storm surge
Saltwater corrosion
Humidity-related damage

B & B Insurance leverages this knowledge to recommend policies that address these risks directly. This means more accurate coverage recommendations and better guidance for protecting your investment.

Local agencies also provide personalized customer service. While an insurance agency cannot expedite claims or make claim decisions (those are handled by the insurance company), B & B Insurance can assist with filing a claim and help you reach your adjuster if you have questions about the status of your loss. Their role is to sell and service policies, assist with payments, and provide customer support—not to manage claims—but they are here to help when communication is needed.

Benefits of Working With a Local Insurance Agency

Partnering with a local agency like B & B Insurance offers several advantages:

Tailored Coverage – Policies designed for coastal risks, including windstorm and flood protection.
Local Knowledge – Understanding of West Palm Beach, FL’s weather patterns and building regulations.
Accessible Support – Easy communication for policy servicing and assistance with claim filing.
Community Connections – Strong relationships with local contractors and adjusters for smoother processes.

To learn more about available coverage options from your local insurance agency, visit our home insurance page.

How B & B Insurance Protects Coastal Properties

Homes near the coast face unique dangers that standard policies may not fully cover. B & B Insurance evaluates factors like your home’s location, elevation, and construction to recommend coverage limits that match potential threats. Their policies often include:

Wind damage coverage for hurricane protection.
Flood insurance options for coastal flood zones.
Protection against saltwater corrosion .
Replacement cost coverage to rebuild your home accurately.

By focusing on these coastal risks, B & B Insurance ensures your home and belongings are protected against hazards unique to West Palm Beach, FL.

Preserving Your Property’s Long-Term Value

Homeowners insurance isn’t just about immediate protection—it’s about maintaining your property’s value over time. Comprehensive coverage helps prevent financial setbacks from severe weather or liability claims. B & B Insurance assists clients by:

Selecting policy limits that reflect your home’s true replacement value.
Advising on risk reduction strategies for local hazards.
Keeping you informed about updates to Florida insurance laws.

Regular maintenance combined with the right insurance plan ensures your home remains an asset, whether you plan to stay long-term or sell in the future.

For answers to common questions, visit our FAQ page.

Local Versus National Insurance Agencies: What’s the Difference?

Many homeowners wonder whether to choose a local or national insurance provider. While national companies offer brand recognition, they often lack insight into West Palm Beach, FL’s coastal environment. A local insurance agency like B & B Insurance provides:

In-depth knowledge of local weather and building codes .
Personalized service with direct agent contact .
Assistance with policy servicing and claim filing when needed .

National companies typically manage claims through large call centers, which can lead to delays and impersonal service. B & B Insurance offers a more hands-on approach for policy support and communication.

Why Choose B & B Insurance?

B & B Insurance is committed to protecting your home with policies customized for the West Palm Beach, FL, area. Their expertise in coastal risks, personalized service, and strong coverage options make them a top choice for homeowners.

What to Look for in a Local Insurance Agency

When selecting an insurance agency, consider these factors:

Local expertise with coastal properties.
Comprehensive coverage , including flood and wind protection.
Clear and responsive customer service for policy questions.
Flexible policies tailored to your needs.
Competitive pricing with discounts for safety features.

Why B & B Insurance Is Your Best Choice

Protecting your home in West Palm Beach, FL, requires more than a standard insurance policy. Coastal living brings unique challenges such as hurricanes, flooding, and saltwater corrosion, all of which can cause significant damage if not properly addressed. B & B Insurance, a trusted local insurance agency, understands these risks and offers tailored policies designed to safeguard your property and provide peace of mind.

Contact B & B Insurance Today!

Protecting your home requires a trusted local insurance agency serving West Palm Beach, FL, that understands local risks and offers tailored solutions. B & B Insurance combines expert knowledge, personalized service, and strong coverage options to keep your home safe. Contact them today to secure your home investment with the right policy.

5 Benefits of Homeowner’s Insurance in West Palm Beach, FL

Tue, 17 Jun 2025 03:36:45 GMT

Living in beautiful West Palm Beach comes with sunshine, coastal views, and the occasional hurricane threat. That's why having homeowner's insurance in West Palm Beach, FL is essential for protecting your property, finances, and peace of mind. Whether you're a new homeowner or reviewing your policy, here are the top 5 benefits of securing the right coverage.

Why West Palm Beach Homeowners Need Protection

1. Storm & Hurricane Protection

West Palm Beach is no stranger to severe weather. Homeowner's coverage in West Palm Beach, FL, helps cover damages from hurricanes, windstorms, and hail. Standard policies typically include protection for roof damage, broken windows, and structural repairs—critical in a storm-prone area.

2. Property Damage Coverage

From fires to burst pipes, unexpected disasters can happen anytime. A solid homeowner's insurance in West Palm Beach, FL policy helps pay for repairs or even full replacements of damaged property. This includes theft and vandalism, ensuring you're not left footing the bill alone.

3. Liability Protection

You could face expensive legal claims if someone gets injured on your property. Homeowner's insurance includes liability coverage, protecting you from lawsuits and medical expenses. This is especially important for pool owners or those with frequent guests.

4. Temporary Living Expenses (ALE Coverage)

If a covered disaster makes your home unlivable, Additional Living Expenses (ALE) coverage helps pay for hotels, meals, and rentals while repairs are made. This benefit is invaluable after major storms or fires.

5. Mortgage & Lender Requirements

Most lenders in West Pal m Beach require homeowner's coverage in West Palm Beach, FL before approving a mortgage. Having insurance not only satisfies loan requirements but also safeguards your investment long-term.

What's Not Covered?

While homeowner's insurance is comprehensive, it doesn't cover everything . Flooding typically requires a separate policy, and routine wear and tear isn't included.

Secure Your Home Today With Homeowner's Insurance in West Palm Beach, FL

Don't wait for disaster to strike—ensure your home is protected with the right policy. B & B Insurance Agency specializes in homeowner's insurance in West Palm Beach, FL, offering tailored coverage at competitive rates. Contact us now for a free quote and peace of mind!

Protect Your Investment: Homeowner's Coverage West Palm Beach

Thu, 20 Mar 2025 16:40:18 GMT

When it comes to protecting your home, understanding homeowner's coverage in West Palm Beach, FL is essential for safeguarding your property, possessions, and financial future. Homeownership is a significant investment, and homeowners insurance can help shield you from unexpected losses. In West Palm Beach, a region known for its coastal weather and potential for severe storms, having the right homeowner's insurance in West Palm Beach, FL is critical.

Types of Homeowner’s Coverage in West Palm Beach, FL

Homeowners insurance provides a variety of protections, covering both your property and liability in case of accidents. In West Palm Beach, where storms and hurricanes are common, knowing what is included in your homeowner’s policy is crucial to ensuring you have the right coverage for local risks.

Dwelling Coverage : This is the most common form of coverage and protects the physical structure of your home from damages caused by fire, vandalism, theft, and storms. In coastal areas like West Palm Beach, homeowners should ensure that their policy covers damages from hurricanes and floodwaters, which are prevalent during hurricane season. Depending on the insurance policy, flood coverage may need to be purchased separately.
Personal Property Coverage : This protects your belongings, such as furniture, electronics, clothing, and personal valuables, in case of damage or theft. If a storm causes damage to your personal property, having adequate personal property coverage can ensure that you are reimbursed for the replacement costs.
Liability Coverage : If someone gets injured on your property and decides to sue, liability coverage can protect you against legal and medical expenses. This is particularly important for homeowners who entertain guests frequently or have children who might unintentionally cause harm to visitors.
Additional Living Expenses (ALE) : If your home becomes uninhabitable due to a covered loss, this type of coverage helps pay for temporary living arrangements. For example, if a hurricane damages your home, ALE could cover the cost of renting a hotel or finding temporary housing while repairs are made.

Unique Considerations for Homeowner's Coverage in West Palm Beach, FL

Homeowners in West Palm Beach face unique challenges due to the area's weather patterns, particularly during hurricane season. Homeowner's insurance in West Palm Beach, FL, should be tailored to protect against these risks. It's essential to check whether your policy includes windstorm coverage, as hurricanes and tropical storms can cause severe wind damage.

In addition to windstorm coverage, flood insurance is another critical component for homeowners in coastal areas. Standard homeowner's insurance typically does not cover flood damage, so purchasing a separate flood insurance policy is highly recommended to protect your home from water damage.

West Palm Beach is also a region that sees a high amount of home thefts, particularly during peak vacation seasons. Having strong personal property protection, especially for valuable items like electronics and jewelry, can help you feel more secure knowing your possessions are covered.

How to Ensure You Have Adequate Homeowner's Coverage in West Palm Beach, FL

Choosing the right policy and coverage amounts can be overwhelming, but it's essential for your peace of mind. An insurance agent can help you assess your risks and make sure you're covered for all potential hazards specific to West Palm Beach. If you're not sure whether you have enough coverage, it’s always a good idea to review your policy annually and adjust based on any changes to your property or circumstances.

Get the Right Homeowner's Coverage Today

Your home is one of your most significant investments. Don’t leave its protection to chance. With the right homeowner’s coverage in West Palm Beach, FL, you can rest assured that your home, property, and finances are in good hands.

For expert advice and assistance in choosing the best policy for your needs, contact us today at B & B Insurance Agency. Let us help you secure the right coverage for your home in West Palm Beach!

Avoid Surprises: Homeowner's Coverage in West Palm Beach, FL

Tue, 12 Nov 2024 00:52:27 GMT

Owning a home in the vibrant community of West Palm Beach comes with countless benefits, including beautiful weather and stunning coastal views. However, it’s critical to ensure that your precious investment is well-protected. Understanding homeowner’s coverage in West Palm Beach, FL, is essential for both new homeowners and those looking to review their current insurance policies. Whether you’re nestled in the city or reside in the surrounding areas, here’s everything you need to know about safeguarding your home.

Different Types of Homeowner’s Coverage

Selecting the right homeowner’s coverage can seem daunting, but understanding the basics can help you make an informed decision. Essentially, homeowner’s insurance typically includes these key components:

1. Dwelling Coverage

This type of coverage protects the structure of your home, including walls, roof, and built-in appliances. It’s crucial to ensure that the dwelling coverage amount is sufficient to rebuild your home from the ground up in case of total destruction.

2. Personal Property Coverage

This policy covers your personal belongings, such as furniture, electronics, and clothing. Personal property coverage is typically a percentage of your dwelling coverage but can be adjusted based on the value of your possessions.

3. Liability Protection

Liability protection covers you against lawsuits for bodily injury or property damage that you, your family members, or pets may cause to other people. This can include legal fees and settlements.

4. Additional Living Expenses (ALE)

In the event that your home is uninhabitable due to a covered peril, ALE covers the extra costs of living away from home, such as hotel bills, restaurant meals, and other expenses.

The Importance of Flood Insurance in West Palm Beach

West Palm Beach’s stunning coastal location makes it a desirable place to live but also puts it at significant risk for flooding. Standard homeowner’s insurance policies typically do not include flood damage. Therefore, it’s imperative for residents in this area to consider purchasing additional flood insurance.

Flood insurance can cover damages to your home and belongings caused by flooding, whether it’s from storm surges, heavy rains, or overflowing bodies of water. Given the increased instances of extreme weather events, safeguarding your home with flood insurance isn’t just a recommendation—it’s a necessity.

Addressing Specific Risks

Living in an area prone to hurricanes and tropical storms means homeowners in West Palm Beach must be proactive in mitigating potential risks. Standard home insurance in Palm Beach County may not cover all types of damage typically associated with these natural disasters. Review your policy carefully and discuss supplemental options like hurricane and windstorm policies with your insurance agent.

Schedule A Consultation

If you’re uncertain whether your current policy provides adequate protection or if you’re new to the thrills of homeownership in West Palm Beach, don’t navigate this complex terrain alone. Schedule a consultation at (561) 586-0029 with the experts at B&B Insurance Agency. Their seasoned professionals will help you understand the intricacies of homeowner’s coverage in West Palm Beach, FL, and guide you through selecting the best policy tailored to your specific needs.

Ensuring your home is thoroughly covered can provide you with peace of mind, allowing you to enjoy the paradise that is West Palm Beach without the stress of potential risks. Don’t wait until disaster strikes—protect your haven today.

IS YOUR INSURANCE COMPANY PACKING UP AND HEADING OUT OF TOWN?

Thu, 12 Aug 2021 19:45:25 GMT

Florida policies are similar to those you would find in any other state when it comes to auto insurance. You have options regarding how much of a deductible you want on your policy and how much coverage you want for things like bodily injury, personal injury, uninsured motorist, and collision.

But, when it comes to homeowner’s insurance, Florida is in a league of its own.

Where you live will make a difference in what you will pay for insurance, whether we are talking about auto insurance or homeowner’s insurance. For example, car insurance in Boynton Beach might cost more than car insurance in Lake Worth, Florida. It depends on a variety of factors.

However, when it comes to homeowner’s insurance, where you live in Florida is an even bigger factor. Especially now!

As the South Florida Sun-Sentinel reported, three insurers are canceling thousands of Florida customers. The move will affect more than 50,000 homeowners.

WHO IS BEING IMPACTED?

There is nothing official yet, but if what has happened in the past is anything to go by, the policies being canceled, or at least a good proportion of them, will probably be right here in South Florida.

As Ron Hurtibise writes in the Sentinel, “The consent orders by the state Office of Insurance Regulation authorizing the early cancellations did not specify locations of affected policyholders, and officials of the companies did not respond to requests for information. But if recent history is any guide, affected consumers are likely disproportionately located in Broward, Miami-Dade, and Palm Beach counties, as well as in the Orlando metro area.”

All three of the insurance companies are based in Florida. They are:

Gulfstream Property & Casualty
Southern Fidelity.
Universal Insurance of North America

“Homeowners who get a notice of cancellation or nonrenewal should move quickly to secure coverage with another company, the Office of Insurance Regulation says on its website,” the Sentinel reports. “Terms of the consent orders require the companies to work with affected customers and their insurance agents to help them find new carriers.”

If you are among those whose policies are being canceled, you will receive written notification in the mail. If you need help navigating the transition to a new carrier, please feel free to contact us here at B & B Home and Auto Insurance in Lantana.

AUTO INSURANCE DEDUCTIBLES

Thu, 12 Aug 2021 19:45:24 GMT

You are probably very familiar with the deductibles associated with your health insurance, but did you know that your Florida auto insurance also has a deductible?

You probably go to the doctor a lot more than you go to the repair shop (at least we certainly hope so!) which is why you probably have a better understanding of how the deductible associated with your health insurance works. You might have a co-pay every time you go to the doctor, which is a form of deductible, or your policy might specify that the doctors’ bills will not be covered until you have paid a certain amount of money out of pocket yourself.

The deductibles associated with your car insurance policy operate on a similar basis.

FLORIDA AUTO INSURANCE DEDUCTIBLES

The average deductible associated with Florida auto insurance policies is $500, but if you are looking for ways to save a little money on your car insurance premiums, our Lantana-based insurance experts can give you a quote for a comparable insurance policy with a $1,000 deductible – or more, depending on your needs.

As the folks at WalletHub explain, “The higher your car insurance deductible is, the lower your car insurance premium will be.” It’s important to keep in mind, though, that if in the unfortunate event that you are in an accident, you will be responsible for paying the deductible amount. So be sure to select a deductible amount that you will be comfortable paying if you need repairs.

In other words, if you are in an accident and your deductible is $1,000, you will have to pay the first $1,000 of any needed repairs. You will also want to be aware that your auto insurance policy will likely come with more than one deductible.

“Car insurance deductibles work the same way for all coverage types , and you will get to choose your deductible amount for each,” WalletHub says. “For example, you could choose a $500 deductible for comprehensive insurance, which tends to have lower premiums, but $1,000 for collision, which usually costs more.”

If you have questions about Florida auto insurance and deductibles, you can contact the experts at B&B Car Insurance Agency, serving Lake Worth, Lantana, Boynton Beach, and other South Florida communities.The body content of your post goes here. To edit this text, click on it and delete this default text and start typing your own or paste your own from a different source.

ARE YOU DUE A REFUND ON YOUR FLORIDA AUTO INSURANCE?

Thu, 12 Aug 2021 19:45:22 GMT

Here at B&B Insurance in Lantana, we have been getting a lot of questions about refunds on the premiums paid for car insurance from our Boynton Beach, Lake Worth clients as well as those living – and driving – in other area communities.

It’s all because of the Covid-19 pandemic. (Of course, it is. Isn’t everything these days?) People are driving less. So many of us are working from home, so there’s no rush hour commute to the office. And at the end of the day, you’re not going to be going out to meet your friends for happy hour or to take the family out for dinner. In fact, because of the need to slow the spread of this dangerous virus, for much of the year, there hasn’t been much of anywhere to go.

Since most of us have primarily been driving for only essential errands like grocery shopping or going to the doctor, we haven’t been racking up too many miles on the odometer. So, since they are driving less, many of the good people who get their Florida auto insurance through our Lake Worth/Lantana car insurance agency, are asking us shouldn’t they be paying less?

It’s a good question! And in most cases, the answer is “Yes, you will be paying less!”

FLORIDA AUTO INSURANCE REFUNDS

Florida is not known for having the safest or most courteous drivers. Our auto insurance rates reflect this. With the Covid-19 pandemic keeping many of us – and many of those risky drivers – home for one reason or another, there is less of a chance that you will get into an accident. That means the car insurance companies have lower risk exposure.

Among the many insurers who are offering refunds are:

Allstate
Geico
The Hartford
Liberty Mutual
Nationwide
Progressive
Safeco
State Farm
Travelers and
USAA

If you have not received a refund on your Florida auto insurance policy and still have questions, please contact the specialists at our Lantana car insurance agency. We would be happy to help you.