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The Benefits of Life Insurance for Single Parents

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Life insurance isn’t just for married couples. When you’re a single parent, you’re responsible for your entire household. That means that if something happens to you, there may be no clear choice for who assumes responsibility for your finances. A life insurance policy will provide much-needed financial safety that answers those difficult questions if the scenario arises.

The Importance of Life Insurance for Single Parents

In a home with two parents, if one passes away, the other can assume financial responsibility for the household and care for the children. Unfortunately, a single parent doesn’t have that option. Without financial planning, your children and any other dependents in your household may be left in a difficult situation. Therefore, it’s time to determine which policy will work best for you.

Benefits of Life Insurance

Life insurance helps cover expenses that will continue after your passing. These expenses include house payments, debts, current and future education, childcare, and end-of-life costs. It creates a financial resource for your loved ones, allowing them to continue their lives while ensuring your children are cared for and without financial strain.

Determining the Appropriate Amount of Life Insurance

The appropriate amount depends on your lifestyle, financial obligations, education, healthcare, etc. While there are online calculators that can help you estimate those figures, you should also consult an insurance agent who can guide you through the process.

Looking for Life Insurance in Orlando, FL?

Choosing a life insurance plan can be a personal and emotional process. Our agents at Insurance Warehouses of America will help guide you through your options and help you pick the best policy for you and your family. 

Learn more about life insurance for single parents at Insurance Warehouses of America in Orlando, FL by calling us today.

Preventing Water Damage in Your Home

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There are many tasks involved in maintaining your home and any possible risks to your home. But as the saying goes, an ounce of prevention is worth a pound of cure. Water damage is a key concern in homes.

Here are some tips on preventing it, courtesy of Insurance Warehouses of America serving the Orlando, FL area.

Preventing Water Damage

Maintaining and repairing the roof

One of the biggest sources of water damage is the roof. So it is extremely important to maintain the roof, and that starts with having it inspected frequently. Follow the advice of a reputable roof repair company as far as repairs. Also, if the roof has any problems, such as leaks or missing shingles, repair them promptly.

Monitoring all plumbing

Another key source of water damage in a house is plumbing. That is, there are leaks in showers, sinks, and other plumbing. Make sure to inspect and repair all plumbing promptly to prevent water damage. Keep in mind that some plumbing leaks and water damage occur behind walls and ceilings, so a professional needs to assess for plumbing problems.

Risks of water damage

If there is water damage in your home, the risks can be large. For example, water damage can lead to mold. And that can lead to major damage to the property, as well as health problems for anyone in the house. Water damage can also be costly and result in structural damage to the property.

There are numerous ways to prevent water damage in your home. If you need more information about this important topic, contact Insurance Warehouses of America serving the Orlando, FL area.

Special Considerations in Insuring a Sports Car or Exotic Car

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Before you breeze around Orlando, FL in your new sports car or exotic car, you’ll need to insure it against loss. That means insuring it with auto insurance from Insurance Warehouses of America that fully covers its unique glory.

When you purchase an exotic vehicle or sports car, you choose full coverage auto insurance because you want to protect your financial investment from the expense of needing to replace it out of pocket. These unique vehicles cost upwards of $100,000, so insuring them against collision and natural hazards makes sense.

Collision and Comprehensive Coverage

To completely protect yourself from out-of-pocket expenses, we suggest a little insurance alliteration – the three Cs of collision and comprehensive coverage. The state-mandated insurance in Florida only protects the other drivers on the road. To protect yourself from financial loss from needing to repair or replace your vehicle, you need collision and comprehensive.

Collision reimburses you for repairs or pays for the cost of replacing a totaled vehicle when you damage or destroy yours in a collision. It doesn’t matter what you crash into – another car, a fence, the garage wall, etc. Collision pays you for the damage to your own vehicle. It also pays if you let your teen or spouse drive your prized possession, and they crash it into another car, a fence, the garage wall, etc.

Comprehensive covers all the things that no one ever thinks will actually happen until they do. It covers natural hazards, man-made perils, and random acts of nature. That catch-all policy protects from everything ranging from fire and wildfire to protesters at a riot. If it damages your exotic car, it is covered. Falling tree branches, luggage that accidentally falls out of a plane, even if Wiley Coyote accidentally dropped a piano on your car, this covers your loss.

Contact Us Today

Reach out to us at Insurance Warehouses of America In Orlando, FL for auto insurance coverage that fully protects you from financial loss if your sports car or exotic car sustains damage or gets destroyed. Call or email us today to get your policy started.

Don’t Leave Your Family in Need – Get Life Insurance

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Do you have a family and live in or near the Orlando, FL area? Life Insurance can provide protection for them in the event of your passing. Our team of experts at Insurance Warehouses of America can provide this coverage.

Why Life Insurance?

Life insurance protects your loved ones from the potentially disastrous financial losses that could occur if something were to happen to you. It can provide financial security, pay living expenses, pay off debt, and pay medical or final costs.

A life insurance policy can provide a specific sum of money at a time when it is needed most. At your death, your beneficiaries will receive the policy payout immediately. A death benefit is not subject to federal income tax.

A life insurance policy provides peace of mind knowing you have in place a legacy for your family. Both you and your loved ones will know exactly what they will be receiving, as long as you keep the policy in force by committing to the premium payments.

Some of the benefits of a life insurance policy are:

It offers guaranteed protection for those who depend on you. The life insurance benefit acts as a financial safeguard.

Income replacement for your family when yours is no longer there. It can:

  • Pay off the mortgage
  • Pay for health care or childcare
  • Pay for tuition
  • Eliminate household debt
  • Preserve a family enterprise

As the benefit is tax-free, your loved ones can use every dollar you leave them.

As you pay your premiums, the whole life policy accumulates cash value that is guaranteed to grow to meet a variety of financial objectives. Whole life insurance makes you able to receive dividends. Though not guaranteed, when they are awarded, you can cash them in or apply them to premiums.

Give Us A Call

Contact us at Insurance Warehouses of America to leave a loving legacy for your family. We proudly serve the residents of Orlando, FL and surrounding communities. 

Do I need to have home insurance in Florida?

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Owning a home in the Orlando, FL area has continued to be a good investment. Not only have prices appreciated in value in recent years, but it has also helped residents have a stable place to call home. While it is not required by law to carry home insurance, there are still likely requirements for insurance that need to be met.

There are various reasons why you may need this insurance:

Protect Your Investment and Asset

An important reason to have a home insurance policy when you are in this part of Florida is that it is a great way to protect your investment. Buying a home in any situation requires a big purchase, and you will want to know that this investment is secure. A great way you can do this is by getting home insurance as it will offer financial support so you can replace or repair your home if you incur a covered loss. 

Comply with Obligations

You also should get a home insurance plan so you can comply with any requirements. Those that purchase a home in this area are likely to also take out a mortgage. Along with this, it is important that you meet the insurance requirements set by the lender. In many cases, you may also have to escrow your payments each month, which will give the lender comfort that you will remain covered. 

Contact Us Today

If you are looking to buy a home in the Orlando, FL area, it would be very smart for you to get proper insurance. Our team of experts at Insurance Warehouses of America can offer you the guidance you need to build your next policy. When you call us at Insurance Warehouses of America, you receive customized support and advice that will ensure you are appropriately covered. 

First New Car? Steps To Take

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Your first new car. You sign the loan or lease agreement and get your keys, eager to hit the road with your new investment in mobility. Especially if your previous car was a beater, this can be a watershed moment for you. Insurance Warehouses of America can help you with this. We serve Orlando, FL and we can serve you.

First New Car? Steps To Take

Think Small

If you look for the smallest car that can fit your family, you’ll save money. Not only up front but in the long run. Up front, an average compact SUV runs more than $10,000 more than the average compact car, and that’s before the additional price in fuel and maintenance that an SUV will charge you (a typical gas-powered compact SUV will get 14-23 miles per gallon, while a typical compact car will go around 24-35 mpg). Cars are simply less expensive, both up-front and in the long run than SUVs.

It doesn’t have to be new-new

Many dealerships now sell “certified preowned” cars. These are lightly used vehicles that have no damage or mechanical flaws but have technically been used before. Many certified pre-owned vehicles are closeouts from the previous model year. This can be a great way to get a car that looks, feels, and drives like a new car without the price hit and depreciation costs of a brand-new vehicle.

Get Insurance

This is generally automatic. In many states, the dealer will not let you drive off the lot unless you have insurance for your new car. If possible, shop for your new car insurance before you ever set foot on the lot. If you’re shopping for a new car in the Orlando, FL area, talk to Insurance Warehouses of America so that we can help you get the best rates on your new car.

When Should I Update My Life Insurance?

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Life insurance is not always on a person’s mind when they walk down the aisle, but for your coverage to have the desired impact, your insurance company needs to be made aware of any changes of this nature.

Not only will your beneficiary information likely be affected, but you may wish to update your death benefit if you carry the type of policy where that can be edited. 

When Should I Update My Life Insurance?

Life insurance is not a requirement for residents of Orlando, FL but can be a way to pass wealth down to descendants and can be used in tandem with other financial instruments, such as trusts or retirement accounts. Your Insurance Warehouses of America agent can give you more specific information in this regard. 

In the event that you get a divorce, you may no longer wish for your former spouse to be listed as an inheritor, as you may wish to name someone else, such as a relative or child.

If the person is under the age of 18, you may also need to set up a guardian to oversee their inheritance until they reach maturity. A momentous event, like having a child, is also one such time you need to speak to your life insurance company. 

All of these situations can affect the amount of debt you carry and the needs of your beneficiaries. Assess your total financial picture to determine the amount you will need to care for surviving relatives with every change in life. 

Contact Us Today

Let us at Insurance Warehouses of America tailor a life insurance package to meet your needs. We serve those who live in Orlando, FL, and invite you to reach out to us with any questions you may have. Call us or stop by our office for more information today!

How To Understand A Home Insurance Policy

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Home insurance isn’t exactly the easiest thing to understand. From how much you pay, to what’s covered and how to claim, it can all be a little overwhelming. And every home insurance policy is different. There’s no need to worry. This helpful overview from Insurance Warehouses of America provides homeowners in Orlando, FL with what they need to know regarding homeowner’s insurance.

What Are The Basics Of A Home Insurance Policy?

Homeowner’s insurance essentially provides financial protection against a number of risks to your home and its contents, including fire, theft, and damage from storms. You have specific coverages that you can choose from, like a personal property policy and liability coverage. Every policy is different in how it handles the cost of repairs or replacements. Homeowner’s insurance is meant to give you peace of mind for your home in Orlando, FL.

How Much Coverage Do I Need? 

Not everyone needs the same amount of home insurance coverage. The amount of coverage you need depends on many factors, such as the value of your home, the value of your personal belongings, and the amount of liability protection you need. Here are a few things to consider when determining how much coverage you need

  • The first thing you need to do is figure out the replacement cost of your home. This is the cost to rebuild your home from scratch, not the market value. To get an accurate estimate, ask a local builder or contractor for a quote.
  • Next, take inventory of your personal belongings and estimate their value. This includes furniture, electronics, clothing, and anything else that would need to be replaced if it were damaged or destroyed.
  • Finally, decide how much liability protection you need. This is the coverage that protects you from lawsuits if someone is injured on your property or if one of your guests causes damage to another person’s property.

Call Insurance Warehouses of America if you have any questions about your policy. We work hard to meet all of your insurance needs.

Why basic auto insurance may not be right for you

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Florida is a no-fault state. It also has limits on the amount that you can sue the driver who is responsible for an accident. At Insurance Warehouses of America in Orlando, FL we know that no-fault can be very confusing, and we are here to help our customers and potential customers understand what coverage they need and also what options they have. 

Why basic auto insurance may not be right for you

In Florida, the basic amount of auto insurance that you must have is $10,000 in PIP and a minimum of $10,000 in PDL. PIP is personal injury protection which will pay for injuries that you sustain in an auto accident. PDL is property damage liability, which is what will be paid for damage to someone else’s property. 

When you think about what a hospital stay can cost, you realize that $10,000 is about what one visit to the emergency room can cost. An extended hospital stay could run into hundreds of thousands of dollars. With the current cost of vehicles, $10,000 doesn’t go very far either. If you don’t want to end up owing massive amounts after an accident, basic auto insurance may not be enough to protect you. 

For those who have an auto loan or a lease, basic insurance will not be acceptable. You will also need to carry collision and comprehensive to protect the vehicle. 

Get The Right Insurance Coverage For Your Vehicle Today

Even if you don’t have an auto loan, collision and comprehensive coverage may be something you need. It will help to repair or replace your vehicle if it is damaged in an accident or by much other non-accident damage. Comprehensive will also cover the theft of your vehicle. If you count on your vehicle, it is important to make sure it is protected. 

Contact Insurance Warehouses of America in Orlando, FL for help with all your auto insurance needs. 

What Are The Benefits Of Life Insurance?

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When most people think about life insurance, the first thing that comes to mind is death. But life insurance is much more than just a policy that pays out in the event of a person’s death. In fact, there are many different benefits that come with owning a life insurance policy.

Here are just a few:

Can Provide Peace of Mind for You and Your Loved Ones

Knowing that you have a life insurance policy in place can give you and your family a sense of security, knowing that they’ll be taken care of financially if something happens to you.

In addition to peace, life insurance can also provide financial security for them in the event of your death. If you are the primary breadwinner in your family, your death could leave them struggling to make ends meet. A life insurance policy can help to ensure that they’ll be able to maintain their current lifestyle, even if you’re no longer there to provide for them.

Can Be Used to Pay Off Debts if You Die Prematurely

Another benefit of life insurance is that it can be used to pay off any debts you may have, such as a mortgage or credit card. This can help to ease the financial burden on your loved ones in the event of your death and ensure that they don’t have to worry about these debts.

Can Provide Tax-Free Income if You Become Disabled

If you become disabled and are unable to work, your life insurance policy can provide you with a tax-free source of income to help you cover your living expenses. This benefit can be especially helpful if you don’t have any other sources of income or savings to fall back on.

Can Help Cover the Costs of Final Expenses Like Funeral Expenses

Finally, life insurance can help to cover the costs of final expenses, such as funeral expenses. This can be a huge financial burden for your loved ones if you don’t have a policy in place. A policy from Insurance Warehouses of America in Orlando, FL can help to ensure that they don’t have to worry about how they’ll afford to pay for your funeral.

Contact Us Today

There are many benefits to life insurance, and Insurance Warehouses of America in Orlando, FL can help you find the right policy for your needs. Give us a call today to learn more.

Partner Carriers

  • Bristol West
  • Foremost
  • Infinity
  • Kemper
  • Progressive
  • American Traditions
  • Bankers
  • Capitol Preferred
  • Federated National
  • Florida Family
  • Florida Peninsula
  • Heritage
  • Security First
  • Southern Fidelity
  • Southern Oak
  • St Johns
  • St. James
  • Universal Property & Casualty