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Fuqua Insurance Agency

1836 Hermitage Blvd, Suite 100
Tallahassee, FL 32308

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How Watercraft Insurance Handles Repairs After a Natural Disaster

One of the risks of owning a watercraft is its exposure to adverse weather events such as a hurricane. A bad storm can damage your watercraft to the point it requires repair to become seaworthy again, but if you have the right insurance policy, you can get those repairs covered. At Fuqua Insurance Agency in Tallahassee, FL, we know the risks of owning a watercraft and can cover your vessel against calamity. Here’s a look at how.

Understanding Comprehensive vs. Liability Insurance Coverage for Watercraft

A comprehensive policy, also known as full coverage, repairs the damage done to your watercraft without question. In contrast, a liability policy won’t cover damage to your vessel after a storm. The comprehensive policy is designed to cover storm damage, even if the vessel sinks and is unrecoverable.

The only time a comprehensive policy won’t cover damage done by a storm is when it contains language that says it doesn’t offer this type of coverage. Otherwise, you can rely on your insurance to help you get the watercraft repaired and seaworthy once again.

How Insurance Companies Determine Needed Repairs

An adjuster from the insurance company comes to view your watercraft and get a first-hand look at the damage that your watercraft sustained. They’ll document the damage and then guide you through the repair process. If the watercraft has sunk, it’s considered a total loss, and you’ll be compensated for its value.

Contact Fuqua Insurance Agency Today for More Information

Our agents at our office in Tallahassee, FL, are familiar with the risks associated with owning watercraft and natural events and are ready to discuss getting the right insurance policy. We’ll explain how comprehensive insurance protects your vessel and what you can expect from the claims process if it ever sustains damage.

How Seemingly Minor Car Damage can Cause a Total Loss

Over the past decade, cars have been engineered to meet various safety standards and use innovative technologies. The result is vehicles requiring expensive parts for common functions, and highly trained technicians to perform the repairs. Sometimes, this results in a total loss of the car, causing you to start over with a new vehicle. We at Fuqua Insurance Agency in Tallahassee, FL, are here to help you understand why this happens.

Sometimes Minor Damage Conceals Bigger Problems

Modern vehicles are designed to withstand the impact of an accident while protecting the occupants from serious injuries. A low-speed accident can damage the car panels and transaxle, issues that seem to be easily fixed. Yet, an insurance adjuster can decide that the car needs to be totaled. It’s not an ideal outcome, but there is a good reason why the adjuster made this decision.

Car Value Vs. Repair Costs

The issue is that newer cars are built using sensors, cameras, and various control modules to aid and control how a vehicle is operated. These items and others typically need replacing after an accident, which adds to the cost of repairs. That means a car with minor sheet metal and suspension damage costs more to fix than its current value. This results in the adjuster totaling the car.

Call Us Today to Talk to Us About Auto Insurance

At Fuqua Insurance Agency, we’re happy to talk to you about your auto insurance needs and find you a policy you can be happy with. Give us a call at our Tallahassee, FL office to speak to an agent and discuss the different types of auto insurance policies. We’ll go over what you can expect from your policy, what to do after an accident, and how insurance companies handle claims.

Safeguarding Properties as a Landlord With Umbrella Insurance in Tallahassee, FL

As a landlord in Tallahassee, FL, safeguarding your investments is a top priority, particularly when it comes to managing potential tenant and environmental risks. While your standard landlord insurance policies may cover damage and losses to a certain extent, umbrella insurance may be necessary for comprehensive coverage against all liability claims. Understanding how umbrella insurance can be a valuable asset is crucial for those seeking peace of mind while managing properties.

Understanding Umbrella Insurance for Landlords

Umbrella insurance extends the coverage of standard insurance policies. It can be beneficial for those who need protection beyond the limits of a standard policy.

Advantages of Umbrella Insurance for Landlords in Tallahassee

Some of the most significant benefits of obtaining umbrella insurance as a property owner or landlord in Tallahassee include:

  • Protection From Unforeseen Risks: Standard insurance policies are unlikely to cover claims of wrongful eviction, slander, and even tenant discrimination suits, which is where umbrella insurance comes into play.
  • Multiple Properties: If you own multiple properties throughout Florida or Tallahassee, umbrella insurance simplifies policy management.
  • Protection Against Costly Lawsuits: Umbrella insurance can cover medical expenses, legal fees, and any costs that exceed the current limits of your landlord insurance, filling in the gaps where you lack protection.

The more you understand the basics of umbrella insurance for landlords, the easier it will be to find a policy that meets your coverage needs. Whether you own a single property or multiple apartment buildings in Tallahassee, FL, Fuqua Insurance Agency can help you find the umbrella insurance policy that’s right for you. For more information and to schedule your initial consultation, contact Fuqua Insurance Agency today.

How Flood Insurance Helps During Evacuations and Displacements

Floods can bring life to a standstill, often forcing families to evacuate their homes with little notice. Financial uncertainty is the last thing anyone wants to worry about during such crises. That’s where flood insurance steps in as a crucial safety net. At Fuqua Insurance Agency, proudly providing flood insurance to residents in and around the greater Tallahassee, FL region, we’ve seen firsthand how having the right coverage can make all the difference during these challenging moments.

Flood Insurance: Covering the Costs of Temporary Living Expenses

When a flood makes your home uninhabitable, finding a safe place to stay can quickly become overwhelming. Hotels, food, and other essentials add up fast, especially if you’re displaced for weeks or even months. Flood insurance can help alleviate this burden by covering additional living expenses such as temporary housing and meals. This support ensures that you and your family can focus on rebuilding your lives instead of worrying about mounting bills.

Flood Insurance: Protecting Your Belongings

Evacuations often mean leaving behind cherished possessions, and floodwaters can cause devastating damage. While homeowners insurance may not cover flood-related losses, a solid flood insurance policy can help reimburse you for damaged furniture, electronics, clothing, and other personal items. Knowing you have this safety net allows you to evacuate with peace of mind, even if you can’t take everything with you.

Flood Insurance: A Financial Lifeline in Uncertain Times

Flood insurance isn’t just about protecting your property—it’s about protecting your future. Whether it’s covering repair costs or helping you stay afloat during displacement, it ensures that you’re not facing disaster alone.

Secure Your Flood Insurance with Fuqua Insurance Agency

If you’re in Tallahassee, FL, let Fuqua Insurance Agency help you find the right flood insurance policy today. Don’t wait until it’s too late—prepare now for whatever life may bring.

How Does Condo Insurance Differ from Home Insurance?

Estimates indicate that there are about 1.5 million condos in the Sunshine State. These housing units are available in multiple sizes and price points, making it easy for anyone looking for a great place to live to find the perfect spot. Even so, Florida is vulnerable to severe weather, and it’s important to ensure you understand what your condo’s insurance policy does and doesn’t cover.

Condo Insurance vs. Home Insurance

Condo associations in Tallahassee, FL, typically purchase a master insurance policy that covers the entire exterior of the home. This includes outdoor structures such as a pool, fence, or detached garage. It also includes indoor structures attached to the walls of the house, such as kitchen cabinets, a furnace, and an HVAC unit. The cost of such a policy is usually included in the association fees.

Condo insurance covers the interior of your home and your personal belongings. It may also provide liability coverage if someone has an accident inside the house. However, there are a few limits that you’ll want to be aware of. First, if you upgrade the interior of your home, you’ll need to notify your insurance company so it can update your policy. Second, condo insurance doesn’t offer unlimited compensation for personal belongings, so you’ll need additional coverage if you own expensive heirlooms or antiques.

Contact Fuqua Insurance Agency for More Information

Fuqua Insurance Agency specializes in helping Tallahassee, FL, condo owners sift through condo insurance options to find the policy that’s the best fit for their personal situation. Contact us to learn more about our policies or to get a quote on the policy of your choice.

Is Term or Whole Life Insurance Better for Tallahassee Residents?

In the guide below, Fuqua Insurance Agency explores whether term or whole life insurance is better for Tallahassee, FL, residents.

Term Life Insurance

Term life insurance is one of the most affordable options that covers policyholders for designated periods. This form of insurance is typically more affordable than whole life insurance policies, and it offers no cash value for policyholders.

Whole Life Insurance

If you’re seeking true lifetime coverage and cash value benefits, then a whole life insurance policy could be your best option. Whole life insurance policies that last for a lifetime are typically more expensive than term-based life insurance policies that expire after designated periods.

Differences Between Term and Whole Life Insurance

A primary difference between term and whole life insurance policies is that term policies expire, while whole life insurance policies do not. Term policies can be renewed at the end of their expiration period, whereas whole life insurance policies never run out unless the policy is canceled.

How to Choose Between Whole Life and Term Life Insurance in Tallahassee

The best way to choose between short-term and long-term life insurance policies is to assess your income, financial responsibilities, and goals for surviving family members who would be affected by your death.

Talk to a knowledgeable life insurance agent to get a clear assessment of the best options for your unique lifestyle, budget, and life insurance expectations. An agent can answer your questions and provide you with a variety of policies to meet your needs.

Take the first steps towards protecting your home and family today – Contact Fuqua Insurance Agency in Tallahassee, FL to request a term or whole life insurance quote today!

Essential Condo Insurance Tips for First-Time Condo Owners in Tallahassee

The first step to successful condo ownership is to know the rules and regulations required for your new condo association.

The following are a few tips from Fuqua Insurance Agency to help keep your new condo safe! 

Be Prepared to Cover Expenses for Maintenance and Repairs 

There’s nothing more satisfying than kicking your feet up in your new home, knowing that your financial interests are fully protected from unexpected havoc, which includes some of the following potential incidents.  

  • Water Damage: Flooding from natural disasters, hurricanes, storms, or busted pipes can cause significant damage to your unit. 
  • Fire Damage: Condo fires can result in the loss of personal property and additional living expenses, which could be covered by the right insurance. 
  • Theft: Burglaries and break-ins can leave new condo owners in despair without the added protection of comprehensive condo insurance on their side. 
  • Wind Damage: Hurricanes, tornadoes, and high winds can cause structural damage, broken windows, and roof damage. 
  • Hail Damage: Protect your unit from hail damage that can injure your condo’s roof, siding, and exterior components. 

Get Condo Insurance to Protect Your Investment 

What steps will you take to protect your most expensive investment?

Forward-thinking condo owners invest in comprehensive condo insurance to protect their condos and assets in the event of a natural disaster, break-in, or other covered incident that would typically result in high repair or replacement costs. 

Talk to a trusted local insurance agent at the Fuqua Insurance Agency in Tallahassee, FL, to learn more about condo insurance coverage available to Florida homeowners. 

When you contact our offices in Tallahassee, FL, today, our professional team will work with you to provide advice, answer your insurance-related questions, and provide a customized quote for condominium insurance! 

We Remodeled Our Home. Should I Update My Home Insurance?

Home remodeling can be a fulfilling endeavor, but it also introduces certain risks. The probability of mishaps amplifies while the labor is in progress, and your fiscal risks burgeon once the operation is complete. Therefore, it is advisable to discuss your remodeling ambitions with your insurance agent before initiating work. For those in or around Tallahassee, FL, consider partnering with our Fuqua Insurance Agency team for your insurance requirements.

Remodeling and Renovating Introduces Insurance Risks

We secure home insurance to provide financial defense against damage from fire, theft, vandalism, or other occurrences on our property. However, it’s critical to recognize that your risks spike during the home enhancement process. Remodeling could involve workers on-site, lead to the accumulation of valuable materials and tools on the property, and may involve work on electrical, plumbing, and other systems – each potentially causing damage if errors ensue. Given the heightened risks, insurance policies usually require homeowners to inform their agents before starting a remodeling project.

Upon completion, renovations often augment the home’s value due to increased floor space, modern kitchen cabinetry and appliances, and other potential improvements. Adding a pool or hot tub presents new risks, while improvements to electrical and heating systems may reduce hazards. No matter your proposed modifications, consult your agent before initiating the project to ensure complete coverage during and post-project.

Securing Protection with Fuqua Insurance Agency

A remodeled home represents a substantial emotional and financial investment, thereby necessitating protection against loss during and post-renovation. If you reside in or near Tallahassee, FL, consider collaborating with our Fuqua Insurance Agency team to attain the protection you need. Drop by or give us a call today at (704) 332-0011 to book an appointment.

Boat Insurance: The Key to Protecting Your Vessel and Your Finances

Owning a Boat: A Major Financial Responsibility

Owning a boat is a major financial responsibility. While it may be worthwhile, the reality is that too many new boat owners enter the situation completely unaware of the financial demand they’re about to encounter. Moreover, they often forget one crucial element of protecting their boat and themselves: boat insurance. Here’s why boat insurance is the key to protecting your vessel and finances. Knowing how to safeguard your boat with the team’s help here at Fuqua Insurance Agency in Tallahassee, FL is also important.

Why Should You Get Boat Insurance? It May Just Protect Your Financial Future

Boats are resource-intensive crafts. They cost you tens of thousands of dollars, if not hundreds of thousands, to purchase. On top of that, it can cost several hundred dollars a month to maintain your boat, in addition to the hundreds or even thousands of dollars it costs to dock your boat. This is already a major financial commitment. But what happens if you happen to get into an accident? You may not only have to replace or repair your boat but also foot the bill for someone else’s boat repairs and possibly pay for their injuries. The reality is that, much like a vehicle, boat insurance serves as a major form of financial protection that helps reduce the economic burden of such a large investment. By having boat insurance, you ensure you have the coverage to navigate any challenges, so you’re not investing substantially more money into a craft that has been involved in a minor or catastrophic incident.

Find Boat Insurance With Fuqua Insurance Agency

At Fuqua Insurance Agency in Tallahassee, FL, we make it easy to compare quotes to find the optimal insurance for your needs. Compare boat insurance quotes with us today, or contact us with any questions you may need help with!

What is the Impact of Driving History on Auto Insurance Costs?

It is crucial to have auto insurance as a car owner in the Tallahassee, FL, area. As an insured driver, you will want to understand what influences your premiums and auto insurance costs. Your driving history is one major factor affecting your insurance costs in several ways.

Accident History

If you’ve been involved in numerous accidents in the past that resulted in high insurance claims to cover damages, this could significantly increase your insurance costs. Therefore, a history of accidents makes your insurance more expensive.

Traffic Incidents

Your history of moving violations impacts your insurance costs, too. A record of infractions such as speeding tickets, running red lights, or other minor violations can affect your insurance prices. Insurance providers often view these infractions as risky, potentially leading to more claims in the future.

Length of Driving History

Your driving history’s length also impacts your insurance rates. Even if your record is spotless, you could face higher costs if your driving history is short, implying less experience. This is why teen drivers often encounter higher costs, which reduce over time.

It’s always beneficial for individuals in the Tallahassee, FL, area to evaluate their insurance needs and options. While shopping for a new plan, consider reaching out to Fuqua Insurance Agency. We can provide the guidance you need to build a fair plan that protects both you and your vehicle.

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