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Your Florida Insurance Questions, Answered

At Preferred Partners Insurance, we understand that navigating insurance choices can feel overwhelming. That’s why we’ve created this FAQ page to provide clear, helpful answers to the most common questions Florida residents have about personal and business insurance. Whether you’re a homeowner, renter, or business owner, we’re here to guide you with independent advice tailored just for you. Remember, as independent agents, we work for you—not the insurance companies.

Personal Insurance

Protecting what matters most to you and your loved ones is essential, and that’s where we come in. At Preferred Partners Insurance, we understand that life is full of uncertainties, and having the right personal insurance coverage can provide you with peace of mind. Whether it’s your home, car, or personal belongings, our warm and trustworthy team is here to guide you through the process of finding the perfect insurance solutions tailored to your needs. With our extensive knowledge and experience in the insurance industry, we are committed to helping you navigate the complexities of personal insurance. Our dedicated agents will take the time to understand your unique circumstances and provide you with personalized recommendations that offer comprehensive coverage and protection. From homeowners’ insurance that safeguards your property against unexpected events to auto insurance that keeps you covered on the road, we’ve got you covered every step of the way. At Preferred Partners Insurance, we believe in building long-lasting relationships with our clients based on trust and transparency. We are here to answer all your insurance-related questions, address any concerns you may have, and ensure that you have the coverage you need to safeguard your valuable assets and financial well-being. Don’t leave your future to chance—reach out to us today and let us protect what matters most to you.

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Business Insurance

As a business owner, you have invested your time, energy, and resources into building your company. Protecting your business against unforeseen risks is vital for its continued success and growth. At Preferred Partners Insurance, we specialize in providing dependable and tailored business insurance solutions designed to meet the unique needs of your organization.

With our warm and trustworthy team by your side, you can focus on what you do best—running your business—while we take care of your insurance needs. Whether you own a small local business or a large enterprise, we offer a comprehensive range of insurance options, including general liability insurance, workers’ compensation insurance, property insurance, and more.

Our experienced agents will work closely with you to assess your business risks and develop a customized insurance plan that provides the protection you need. We understand that every business is different, which is why we take the time to listen to your concerns and tailor our recommendations accordingly. With Preferred Partners Insurance as your partner, you can have the confidence and peace of mind knowing that your business is safeguarded against potential setbacks and liabilities.

Don’t leave your business vulnerable to unforeseen circumstances. Contact us today to speak with one of our friendly local agents and discover how we can help you find the right business insurance coverage for your unique needs.

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Personal Insurance FAQs

Pet Liability Insurance

What is pet liability insurance, and do I need it in Florida?

Pet liability insurance covers damages or injuries caused by your pets. It’s particularly important in Florida, where certain breeds may require coverage under local ordinances.

Will pet liability insurance cover injuries caused by my dog?

Yes, most policies cover injuries caused by dogs, but restrictions on certain breeds may apply depending on the carrier.

Can pet liability insurance be included in my homeowners’ policy?

It often can! Many homeowners’ policies allow you to bundle pet liability coverage for convenience.

Auto Insurance

What are Florida’s minimum auto insurance requirements?

Auto insurance is required here, and Florida drivers must carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 for property damage liability.

How does no-fault insurance work in Florida?

Florida is a no-fault state, meaning your PIP coverage pays for your medical costs regardless of who caused the accident.

Can I get coverage for uninsured or underinsured motorists in Florida?

Absolutely! This is highly recommended as it protects you if the at-fault driver lacks sufficient insurance.

New Construction Insurance

What does new construction insurance cover?

New construction insurance typically includes worker injuries, theft or vandalism of building materials, and damage to the structure itself.

Is new construction insurance mandatory in Florida?

No, but most contractors will require you to carry this type of insurance to safeguard the project.

How does new construction insurance differ from homeowners insurance?

Homeowners insurance protects the completed structure, while new construction insurance focuses on the building process.

Flood Insurance

Do I need flood insurance if I don’t live in a flood zone?

Yes! Even outside flood zones, Florida residents face risks due to rising sea levels and extreme weather.

What does flood insurance typically cover?

Flood insurance covers damages to your property caused by overflowing bodies of water, storm surges, and heavy rainfall.

Is flood insurance included in my homeowners’ policy?

No, flood insurance is typically a separate policy.

Homeowners Insurance

What does Florida homeowners insurance usually cover?

A basic homeowners insurance policy includes coverage for your home structure, personal belongings, liability, and additional living expenses.

Does homeowners insurance cover hurricanes in Florida?

Yes, but you’ll need to meet a separate hurricane deductible for windstorm-related damages.

Can I customize my homeowners insurance?

Absolutely. Policies can be tailored to include additional coverage like flood or pet liability insurance.

Manufactured Home Insurance

Is insurance for manufactured homes different from homeowners insurance?

Yes, manufactured home insurance accounts for unique risks like movement of the structure and specific storm damages.

What does manufactured home insurance typically cover?

It covers your home’s structure, belongings, and liability risks.

Do I need hurricane coverage for my manufactured home?

Considering Florida’s storm history, hurricane coverage is strongly recommended.

Personal Watercraft Insurance

Is personal watercraft insurance required in Florida?

Personal watercraft insurance is not required, but it’s a smart choice for Florida’s active boating communities.

What does personal watercraft insurance cover?

Coverage includes accidents, injuries, property damage, and theft.

Can I insure my jet ski under my homeowners’ policy?

Typically, no. A separate watercraft policy is recommended.

Motorcycle Insurance

Is motorcycle insurance mandatory in Florida?

It’s not mandatory for riders over 21 with more than $10,000 in medical benefits, but it’s highly recommended.

What does motorcycle insurance include?

Motorcycle insurance coverage includes liability, collision, comprehensive, and medical payments.

Are there discounts for safe riders in Florida?

Yes, taking safety courses often qualifies you for a discount.

Renters Insurance

What does renters insurance cover in Florida?

A basic renters insurance policy includes personal belongings, liability, and temporary living expenses.

Is renters insurance expensive in Florida?

Not at all—it’s an affordable way to protect your valuables!

Can renters insurance cover flood damage?

No, flood coverage requires a separate policy.

Rental Property Insurance

Do I need rental property insurance if I own a second property?

Yes, it protects you against tenant-related liability and property damage.

What’s covered under rental property insurance?

Coverage typically includes the building structure and liability protection.

Can I insure multiple rental properties under one policy?

Yes, many insurance providers offer multi-property discounts.

Business Insurance FAQs

Business Auto Insurance

Do small businesses need auto insurance for company vehicles?

Yes, Florida requires coverage for any vehicles owned and used by your business.

Is there a difference between personal and business auto insurance?

Yes, business auto insurance covers vehicles used for commercial tasks.

What does business auto insurance typically cover?

It includes liability, collision, comprehensive, and uninsured motorist coverage.

Commercial Property Insurance

What does commercial property insurance protect against?

Commercial property insurance covers your business property and assets from fire, theft, and storm damage.

Do I need commercial property insurance if I rent my business space?

Yes, even renters should protect their inventory and equipment.

Can I bundle commercial property insurance with other policies?

Definitely. Bundling with general liability or workers’ compensation can save money.

Commercial Flood Insurance

Is commercial flood insurance necessary for Florida businesses?

Very likely, given Florida’s flood risks, especially if you operate in a high-risk area.

What does commercial flood insurance cover?

Commercial flood insurance protects physical property and equipment against flooding.

Can I get disaster assistance without flood insurance?

No, most aid programs require a flood insurance policy in place.

General Liability Insurance

What does general liability insurance protect against?

General liability insurance coverage includes bodily injuries, property damage, and advertising liabilities.

Is general liability insurance required in Florida?

While not required by law, it’s highly recommended to safeguard your business.

Can I customize general liability insurance?

Yes, you can adjust coverage limits based on your unique business needs.

Workers’ Compensation Insurance

Do Florida businesses need workers' compensation insurance?

Yes, businesses with four or more employees must carry workers’ compensation insurance.

What does workers' compensation cover?

It includes medical expenses, lost wages, and rehabilitation for injured employees.

Are there penalties for not having workers’ compensation in Florida?

Yes, fines and stop-work orders can be enforced for non-compliance.

Need Help? We’ve Got You Covered

Preferred Partners Insurance is here to answer all your insurance-related questions and help you find the coverage that fits your needs. Whether it’s personal or business insurance, our team of independent agents is committed to working for you—not the insurers.
Contact Us Today To Speak With A Local Agent