Author: admin

Key Home Insurance Variables

Posted on by admin

All Counties Insurance Agency & Traffic School serves the Palm Coast, FL community and the surrounding areas. We strive to help our clients find coverage to stay protected at all times. We work with multiple carriers throughout the state. This allows us to offer flexible coverage options. We are confident that we can help you obtain the coverage you’re looking for.

Key Home Insurance Variables

Home insurance helps you protect your Palm Coast, FL residence. The policy covers any damages to the interior and exterior of your home. Your prized possessions inside your home are also covered if stolen or vandalized. Liability coverage protects you if a guest is injured while visiting your home. You are also covered if you accidentally cause damage to your neighbor’s property. While looking over your policy, pay attention to these key home insurance variables.

Renovation Projects

If you plan to renovate your home, be aware that you’ll likely have to amend your policy to maintain full coverage. Renovation projects generally cause the value of your home to rise, which is why extra coverage is necessary.

Alternative Living Coverage

As a Florida resident, you are always on alert for the chance of severe weather. Hurricanes and tornadoes may arise every few months. Consider adding alternative living coverage. Alternative living coverage allows you to stay somewhere temporarily while your home is being repaired due to severe damage.

High-Risk Accessories

If you have a high-risk accessory at your home, such as a swimming pool, one potential injury could lead to a severe liability dispute. Consider adding umbrella insurance as an extra layer of protection if a guest suffers a severe injury at your residence and pursues litigation.

All Counties Insurance Agency & Traffic School Will Help You Protect Your Assets

Contact our office to learn more about home insurance and get a quote.

When To Contact Your Agent Following An Accident

Posted on by admin

After you have been involved in an automobile accident, you can expect to be in contact with your insurance agent quite a bit. This is crucial to make certain that you get a fair settlement and have guidance throughout the entire claim process. All Counties Insurance Agency & Traffic School serving Palm Coast, FL is always here for you when you need help with a claim.

Why Call Your Agent?

The first priority following an accident is to attend to anyone with injuries and speak with the law enforcement on the scene. The next thing you need to do is call your auto insurance agent. It is reasonable to wait until you have left the scene of the accident and returned home, or even wait until the next day. However, it is crucial that you call as soon as possible.

Regardless of who was at fault for the accident, you should always contact your insurance agent. Most likely, your policy will require you to report any accident. You may be incorrect about who is at fault in the accident. The other driver involved may not have adequate insurance and you may need to seek reimbursement through other means. In addition, your insurance agent can help you secure a rental car while your car is getting the necessary repairs.

The only time you may not need to call your insurance agent is if the accident takes place on your property, no other drivers were involved, and the damages are so minimal that you can pay for it out of pocket without consequences.

If you are not sure when to call your insurance agent, All Counties Insurance Agency & Traffic School serving Palm Coast, FL is happy to help. Give us a call today and one of our highly trained staff members will answer all of your questions and address any concerns that you may have.

Why Flood Insurance Is a Wise Investment for Homeowners

Posted on by admin

Flooding is considered the most common natural disaster. Just because you live outside of a high-risk flood zone, you may not be immune to falling victim. If you live in the Palm Coast, FL area, the time is now to determine if flood insurance is right for you.

All Counties Insurance Agency & Traffic School is available to help you decide if flood insurance is a wise investment for you. We are here to help you understand the risks and costs associated with flood damage. We will work with you and guide you through all of the important considerations to help you find the coverage that best meets your needs.

Do You Need Flood Insurance?

Typically, when you think of flooding, you think of coastal areas where severe weather like hurricanes and tropical storms cause powerful winds and torrential rain. However, that is not the only way for flooding to occur.

Flash flooding can happen in a matter of minutes in areas that are prone to droughts. Property development that affects the natural drainage patterns can increase the risk of flooding. Heavy rains can create rivers of mud, which is also a type of flooding.

While you are only required to obtain flood insurance in high-risk flood areas, you should rethink the decision to forego coverage. A good rule of thumb to remember about flooding is if it can rain, it can flood.

Do not find yourself in financial turmoil after a flood in Palm Coast, FL. Take preventative action today by securing a proper flood insurance policy through All Counties Insurance Agency & Traffic School. Contact us today to find out about all of the options that we have available to protect your home and your belongings from a natural disaster. Give us a call now.

Why Does Home Insurance Matter?

Posted on by admin

Why do you need home insurance? First, you should understand that home insurance is an investment that protects yourself, your home and your loved ones. Today, All Counties Insurance Agency & Traffic School of Palm Coast, FL, discusses why you need home insurance.

To secure your building

As you know, your home is the most valuable thing that you own. So, it is always essential for you to consider its security first. Home insurance protects your building against several risks, including fire, theft, and certain natural disasters. This way, you don’t have to start from scratch when disasters strike.

To protect your valuable possessions

Home insurance doesn’t protect your building only – it also covers your building’s contents. So, if you want to protect assets like clothing, electronics, furniture, and other assets, consider investing in home insurance. While home insurance doesn’t prevent perils from occurring, it ensures you can hit the ground running when loss or damage happens to your assets.

Liability protection

Home insurance protects you and your family members when accused of causing bodily injury or property damage to others. Also, home insurance covers you from legal suits when sued.

It may be required

While no law requires you to purchase home insurance, your mortgage lender may require you to invest in home insurance until you clear the outstanding liability.

It offers peace of mind

When your home is secured with insurance, you will always have peace of mind. As you know, risks are unpredictable.  So, it is always advisable to stay safe with a home insurance policy that protects you from risks that may cause you sleepless nights.

Buy home insurance today!

Would you like to protect your Palm Coast, FL home with homeowner’s insurance? Please get in touch with All Counties Insurance Agency & Traffic School for an affordable quote.

What Are The Threats of Driving Without Auto Insurance?

Posted on by admin

Having proper auto insurance is a must in the state of Florida, and driving without it is considered a crime. Moreover, there is a number of risks associated with driving without car insurance. All Counties Insurance Agency & Traffic School serving clients from Palm Coast, FL and other nearby towns decided to create a list with the most common threats that you can face and deal with if decided to drive without insurance: 

Threats of Driving Without Auto Insurance

If you decided to drive without proper car insurance, you should understand what risks you may face. Here is a list of a few of them:

  • Drivers license suspension or its removal. If you are caught driving without auto insurance, your drivers license can be suspended. It is one of the most unwanted risks of driving uninsured. 
  • You will be responsible for all the repairs and replacements in case of an accident. If you get involved in a car accident causing damages, you will have to pay for these damages out of pocket. 
  • High-risk insurance rates if you decide to buy insurance in the future. If you were driving without auto insurance and then decided to get a car insurance policy, it may be much more expensive for you. 

If you live in Palm Coast, FL or any other nearby town, and you are looking for a trustworthy insurance agency to buy auto insurance,  All Counties Insurance Agency & Traffic School is ready to help you. Our insurance agents will help you find a perfect policy based on your individual requirements and needs. Feel free to give us a call or check our website for more information. 

Protect Your Garage With Flood Insurance

Posted on by admin

Floods seriously damage the structure and belongings of many homes in Palm Coast, FL. Even if you have already consulted with All Counties Insurance Agency & Traffic School about flood insurance, you might not know if your garage is covered by your flood insurance policy.

If you want to make sure that your garage is protected in the case of a flood, here’s what you need to know.

Flood Insurance Covers Buildings & Belongings

Flood insurance covers a variety of different types of damage, including your home’s plumbing, heating, and carpeting. This extends to personal buildings connected to your home, including the garage.

Flood insurance may cover much more than the building itself. In fact, it may also cover many of the items inside your garage too. Items of value, up to a certain limit, may be covered by insurance.

Flood Insurance Has Some Restrictions

Every insurance policy is different. You need to pay close attention to your insurance options to ensure that you do not overlook coverage for detached garages, underground garages, and other buildings on your property.

Additionally, there are some restrictions in place for buildings that are used for commercial purposes. If your home is part of your business or you store commercial items in your garage, this could complicate matters. You should consult with an insurance agent to ensure you’ve covered every situation.

Get More Information

Do you want to learn more about the flood insurance coverage in your area? All Counties Insurance Agency & Traffic School serves Palm Coast, FL and can provide you with more information about protecting your garage against natural disasters, including flooding.

Is Home Insurance Mandatory?

Posted on by admin

To answer the question out rightly, home insurance isn’t required by any law, but if you are about to take a mortgage, your lender could insist you purchase one. But if you happen to be one of the lucky peeps who have finished paying off their mortgage, does that mean you cancel your home insurance plan? Absolutely not. Home insurance from All Counties Insurance Agency & Traffic School of Palm Coast, FL can save you from enormous loss.

Here is why you should never go without home insurance.

It protects your home

If you consider canceling your home insurance policy, think about the amount of money you have put into your home. It’s massive, right? Now imagine a fire or hail wiping your investment. Without home insurance, you may have to repair or rebuild your home from scratch. Thankfully, if you have invested in home insurance, such costs are your insurer’s headache.  

It cushions you against liabilities

Home insurance can save you on a rainy day. It can come to your rescue when accused of bodily injury or property damage by others. For instance, home insurance can cover medical costs if someone accidentally slips on your swimming pool and sustains head injuries. Besides, homeowner’s insurance can protect you if sued by the victim. 

It covers your assets

Your home looks superb because of the assets it has. Your furniture, clothing, fixtures, and electronics transform your house into a home. For this reason, you should take every precaution to protect your assets from risks like theft, fire, natural calamities, and so on. Home insurance doesn’t prevent risks from striking but compensates you when your assets get lost or damaged.

Buy home insurance today!

Home insurance might not be mandatory, but you must have it. It protects you and your assets from numerous calamities. Are you ready to invest in home insurance in Palm Coast, FL? Please get in touch with All Counties Insurance Agency & Traffic School for an affordable quote.

Does Auto Insurance Cover Hurricane Damage?

Posted on by admin

Those living in Palm Coast, FL understand the importance of being protected in the event of a hurricane. Waking up after a hurricane has rolled through the area can be very devastating, especially when seeing the damage the storm caused. Because Florida experiences hurricanes, everything from our homes to our vehicles need insurance coverage in the event of damage or loss. 

All Counties Insurance Agency & Traffic School experts know this and can help ensure your vehicle is covered under your existing insurance policy. 

Hurricane Damage

It is imperative to ensure your vehicle has coverage under your insurance policy before hurricanes and tropical storms make landfall. These storms can leave your car damaged by high winds, flying objects, floods, or being washed onto someone else’s property. Comprehensive coverage may also include corrosion from saltwater exposure and damage from fallen objects. 

Comprehensive Coverage

Those with comprehensive coverage included in their auto insurance policy are financially protected if their vehicle becomes damaged in a hurricane. Damage caused to the car must be hurricane-related, such as flash floods, falling objects, or high winds. Not all basic auto insurance policies include comprehensive coverage. Check with your insurance agent to discuss coverage and make necessary changes before a storm develops in the Atlantic Ocean of the Gulf of Mexico. 

Changing Policies

It is vital to make changes to your insurance policy as soon as possible. Unfortunately, most insurance agencies do not allow for changes to coverage when a hurricane is about to hit. Items to include in your policy include comprehensive and collision coverage, which will protect you in the event of a storm. 

Be prepared for hurricane seasons in Palm Coast, FL, and ensure you have enough auto insurance coverage to protect you against storm-related damage. The experts at All Counties Insurance Agency & Traffic School are ready to help you with your insurance coverage. 

Top myths about flood insurance

Posted on by admin

As most Palm Coast, FL residents know, it is critical to carry flood insurance to protect against financial loss. However, many myths surrounding flood insurance can leave people with no coverage or not enough coverage. All Counties Insurance Agency & Traffic School agents have put together the top myths about flood insurance. 

My homeowners’ insurance covers flooding. 

So many people make this mistake due to their homeowners’ policy providing coverage for water damage. However, the coverage for water damage only covers events like a burst pipe and not damage caused by a flood. Therefore, if you want flood insurance, you must purchase it separately. 

I do not need coverage because my lender does not require it. 

Banks typically only require that flood insurance be carried as a condition of the loan if the home is located in a certain flood zone. However, just because you are not in a flood zone does not mean you are immune from flooding. Flooding is becoming more and more common and can happen anywhere. 

I can wait for a big storm to come and purchase it right before 

Waiting to purchase a flood policy until you know of a storm that could cause flooding is another big mistake homeowners make. Most insurance carriers have a 30-day waiting period to avoid this type of scenario. If you think you may need flood insurance, you should purchase it now. 

The flood insurance I purchase through the federal government is enough coverage. 

The federal flood insurance program only offers coverage up to $250,000. If your home is worth more than that, it is important to consider additional limits to protect you fully in the event of a flood. 

If you would like to learn more about flood insurance, reach out to an agent at All Counties Insurance Agency & Traffic School today. We proudly serve the Palm Coast, FL area. 

What Does Home Insurance Cover?

Posted on by admin

Home insurance is necessary, but understanding your coverage can be confusing. Coverage varies from policy to policy, but the basics remain the same. All Counties Insurance Agency & Traffic School offers home insurance for Palm Coast, FL residents. 

Property Coverage

The most obvious coverage provided by home insurance is the home itself. Home insurance covers the interior and exterior of your home. Most policies also provide coverage for freestanding structures on your property, like a shed or workshop. The structure of your home is covered for damage from fire, theft, storms, and more. Floods, earthquakes, and damage due to negligence or poor maintenance are usually not covered under a basic homeowner’s policy. 

Personal Belongings Coverage

Your homeowner’s policy also covers your belongings. The coverage limit for belongings is typically 50-70% of the coverage limit for the home itself, but you’ll need to check your policy for specific coverage limits. If your valuables exceed the coverage limit, you can purchase a rider or separate policy for adequate coverage. 

Liability Coverage

Your homeowner’s policy also covers liability. If someone is injured on your property, your homeowner’s policy will cover the expenses. Intentional damage or injury is not covered. For example, if a neighbor is visiting and accidentally falls down the stairs, your policy would cover the claim. If they were pushed down the stairs, this would not be covered. Most policies also cover damage to other’s property. 

Additional Living Expenses Coverage

Many policies also provide additional living expenses coverage. If you have to move out of your home while it’s being repaired, your policy will pay your living expenses. This includes rent or hotel and food expenses. 

Homeowner’s Insurance at All Counties Insurance Agency & Traffic School

Your home is likely the biggest investment you’ll ever make, so it’s important to know it’s properly protected. If you need homeowner’s insurance in Palm Coast, FL, contact us at All Counties Insurance Agency & Traffic School.