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6200 Metrowest Boulevard , Suite 204
Orlando, FL 32835

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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.

Should I Buy Renters or Home Insurance?

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When it comes to renters or home insurance, there are many things to consider. The first step is understanding the difference between the two types of policies. That way, you can make an informed decision about which one is right for you. 

Insurance Warehouses of America in Orlando, FL is here to help you navigate these important insurance coverages. 

Renters vs Home Insurance

Renters Insurance

One of the most important things to consider when you’re renting is getting renters insurance. This type of policy will protect your belongings in the event that something happens to them, such as a fire or theft. It will also cover you if someone gets hurt while on your property. In most cases, your landlord’s insurance will not cover these things.

There are a few things to keep in mind when you’re shopping for renters insurance. First, you’ll need to decide how much coverage you need. This will depend on the value of your belongings. Second, you’ll need to choose a deductible that you’re comfortable with. Finally, you’ll need to decide whether you want additional coverage for valuable items, like jewelry or art.

Home Insurance

Homeowners, on the other hand, need to purchase home insurance. This policy will protect your home and belongings in the event that something happens to them. It will also cover you if someone gets hurt while on your property. Again, mortgage lenders typically require home insurance.

While you need to consider many of the same things when shopping for home insurance as you do for renters insurance, there are a few key differences. First, remember that this policy also insures the structure and other permanent fixtures of your home. Second, you’ll need to decide how much coverage you need for the replacement value of your home.

Give Us A Call

As you have seen, these two types of policies have different targets. Renters insurance is perfect for those currently renting and need to insure their belongings. Home insurance is designed for homeowners to protect their homes, belongings, and liability. Now that you know the basics of each type of policy, you can decide which one is right for you.

Regardless of what you are looking for, Insurance Warehouses of America in Orlando, FL is here to help. Call us today to get a free quote.

Meeting Florida Auto Insurance Minimums

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If you just moved to Florida, you discovered how differently it handles its auto insurance requirements from other states. Living in Orlando, FL has its joys and its quirks, and insuring your auto definitely falls under the quirky. Insurance Warehouses of America is here to provide you with expert advice. 

Other states in the US require drivers to carry liability insurance covering bodily injury or death and property damage. Some also require personal injury protection (PIP).

Florida Minimum Auto Insurance

In Florida, you’ll need to carry a policy that provides at least $10,000 in PIP and $10,000 in property damage liability (PDL). The difference stems from Florida’s designation as a no-fault state. That means that whether you caused the accident, or the other driver did, you will each pay your own medical costs.

Your PIP coverage does this. It will also cover the passengers you have with you in the vehicle when you incur an accident. Any damage to your vehicle, PDL covers.

It’s Different if You Drive a Taxi

In Florida, the driver of a taxi must carry different insurance than an individual driver with a non-commercial license. To insure their taxi, a taxi driver must carry PDL coverage of at least $50,000 and at least $125,000 per person in bodily injury liability (BIL) coverage, but twice that amount –  $250,000 per accident.

Contact Insurance Warehouses of America

Don’t drive the roads of Orlando, FL without auto insurance. Contact us to obtain the auto insurance you need to protect yourself financially and comply with Florida state law. We can help you customize your insurance to also include comprehensive, collision, roadside assistance, and to add to your BIL or PIP coverage. Call us today.

When Employer Life Insurance Isn’t Enough

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If your employer offers life insurance, in most cases, you should probably take it, but keep in mind that those employer’s policies might not be your best bet to safeguard your peace of mind and your family’s well-being. Read on to learn how Insurance Warehouses of America helps Orlando, FL residents find the life insurance they need to protect what matters most.

While great, if your employer does indeed offer life insurance, you are probably limited to choosing from a smaller pool of policy options. You should absolutely take advantage of any employer-provided life insurance. Still, you should also think about supplementing that with a personal policy that could follow you around no matter what job you have.

Unlike guaranteed-level-premium life insurance that you may purchase on your own, which costs you the same amount each year as long as you hold the policy, policies provided by employers typically become more expensive as you get older. If you are healthy and at the younger end of the age curve, individual-market insurance is cheaper than premiums to purchase additional coverage under your employer’s group plan. Even if your employer offers you the option of buying additional coverage through a group plan (and only a few employees opt to do so), it usually has a cap that is several times your salary. 

Insurance Warehouses of America can carefully assess how much insurance coverage you and your family will need. Most workers who receive their insurance coverage through work are unsure of where their life insurance will come from if they switch jobs, are laid off, have their employer go out of business, or change their job status from full-time to part-time. We urge Orlando, FL residents to reach out to us today to discover what life insurance is right for you.

Why Homeowners Need Home Insurance

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Owning a home is a big responsibility, and a lot comes with this ownership. One of those things is getting home insurance and carrying the policy the entire time that you own your home. It’s important to have this protection, as it protects you in a number of ways. If you need home insurance in Orlando, FL, call us today at Insurance Warehouses of America. 

Why Homeowners Need Home Insurance

Protecting Your House

Your house is in need of protection against a number of damaging calamities, accidents, and disasters. Home insurance provides this protection. It is vital to have this insurance because it can pay for the repairs you will need after something serious damages your house. The protection afforded by home insurance keeps you protected from having to spend your own money to make major repairs to your home. For many people, such an expense would simply be unaffordable. 

Coverage for Your Possessions

The belongings that are inside your house would require a lot of money to replace, and that’s another reason that home insurance is so important. It covers all of those belongings so that the policy can pay to replace them if needed. When there is a serious accident or another occurrence, having this coverage assures you that you won’t have to replace all of your possessions by yourself. 

Liability Protection

Another form of protection afforded by this coverage is liability protection. It protects you financially if someone had an accident in your home and had injuries and medical bills from it. It would pay for those medical bills for you so that you wouldn’t have to struggle financially to do so. 

Get Your Home Covered

If you don’t have a home insurance policy yet for your house, don’t wait any longer. Call us at Insurance Warehouses of America in Orlando, FL.

 

Auto Insurance Policy Guide

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Insurance Warehouses of America assists the Orlando, FL community. We strive to ensure that our clients are protected in every situation that life brings their way. For over 15 years, we have helped our clients find the policies they need to protect their assets. We have relationships with multiple carriers throughout the state.

Auto Insurance Policy Guide

Auto insurance adds a layer of protection as you travel around completing daily tasks. Your vehicle is covered if you are involved in an accident. Collision coverage will help you take care of the damages. If you are ruled to be responsible for the damages, liability coverage will protect you. Liability coverage also protects you if you accidentally injure someone with your vehicle. Comprehensive coverage protects you in unique ways. You are covered if your vehicle is stolen. Perhaps you are driving on the freeway, and you make an impact with a deer passing through. If your windshield or mirror is damaged, comprehensive coverage will protect you. Orlando, FL is known for its severe weather at times. Comprehensive coverage protects you if your vehicle suffers damage from a local hurricane.

If you plan to modify your vehicle, you can add modified coverage. This type of coverage fully protects any upgrades that you’ve made to your car if you are involved in an accident, or your car gets stolen. Emergency roadside coverage is a safety net if you enjoy taking road trips. Things can become very uncomfortable if you’re 2 hours away from home, your battery dies, or your engine has trouble. Emergency roadside coverage ensures that you will receive immediate service for your issue to get back on the road as soon as possible.

Insurance Warehouses Of America Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.

Life insurance FAQs

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Life insurance is something that makes most people have questions. It isn’t something that is talked about a lot and it certainly isn’t something learned in school.  Listening to commercials only makes it more confusing. Having an insurance agent you trust can help you to get the answers you need. In Orlando, FL, Insurance Warehouses of America is your independent insurance agent. That means they work for you and making sure you get the right products is their priority. 

What is the difference between whole life and term life?

With whole life insurance, you buy the policy for your whole life. The premium doesn’t change and you earn dividends. You can borrow from the policy if the need arises. Term life lasts for a specific number of years. In the end, the policy is gone or it may be continued at a new rate. 

Do I need to buy my own life insurance if I get it from my employer?

Yes, you do. What if your employment ends or you get sick? What then. If you own your own policy, you control the insurance. A work policy is a great benefit, but it is just additional insurance. You should have your own policy for what you will really need to have to protect your dependents. 

How much life insurance is needed? 

Life insurance should allow those you leave behind to maintain the lifestyle they have grown accustomed to. The amount necessary for that is what you should discuss with your independent insurance agent. Your income, age, and number of your dependents all figure into the amount of life insurance you need to have. You also need to be able to afford the policy. Your agent can offer you options to get where you need to be. 

Contact Insurance Warehouses of America in Orlando, FL when you need information or have questions about life insurance. 

Home Insurance Terms You Should Be Familiar With

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Unlike auto insurance, home insurance is not a form of insurance coverage that is generally required. However, this does not mean that you shouldn’t carry this type of coverage, as it can protect you financially when a catastrophic event occurs. When you are unfamiliar with home insurance, it can be helpful to familiarize yourself with some common home insurance terms. Insurance Warehouses of America wants to share some of these home insurance terms with Orlando, FL residents.

Peril

A peril is considered a covered and unfortunate event that may result in the need to file a claim with your insurer. There are a number of perils that are covered under a typical home insurance policy. Some of these covered perils may include fires, vandalism, wind damage, and theft.

Exclusion

An exclusion is considered an event that is not covered by your home insurance policy. For example, it is common for policies to exclude damage caused by floods, mudslides, and earthquakes. In order to be covered by these perils, a separate policy must be purchased.

Deductible

A deductible is a specific amount of money that must be paid before the home insurance company will pay your claim. The higher the deductible, the lower your monthly premium, on average. You can pay more monthly to have a low deductible so that you have less out of pocket in the event you must file an insurance claim.

Replacement Value

Replacement value is how much it costs to replace your property in its current condition if a total loss were to occur. Although market value will rise and fall from one year to the next, replacement value usually doesn’t. Therefore, it is safer and wiser to insure your property this way. A contractor can provide you with an estimate of how much it would cost to rebuild your home from nothing.

The terms of a home insurance policy can be tricky, so when you need help understanding your policy or are ready to purchase home insurance for your property, contact Insurance Warehouses of America. Serving Orlando, FL, this insurance firm can help you create a home insurance policy that fits your individual needs.

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