http://floridainsuranceguy.com Insurance help from a licensed Florida insurance agent Wed, 14 Jan 2009 14:51:24 +0000 http://backend.userland.com/rss092 en How are we doing? I need your feedback. I want to make this the best insurance advice website on the internet. I'm just getting started on the development of this site. How can I meet your needs as a consumer? Do you find our articles easy to read or should ... http://floridainsuranceguy.com/2009/01/need-your-feedback/ I often get this response when giving someone a quote. Once they've heard the rate they say "but my friend has his insurance with you and he only pays..." We often compare our rates with the rates our friends have. It's understandable but it can also be unrealistic to believe ... http://floridainsuranceguy.com/2009/01/but-my-friend-only-pays/ Q. I've paid off my vehicle, do I still need "full coverage"? A. This is a question I get a lot. The first thing we should address is the term "full coverage". In this case, what you are referring to are the two coverages, comprehensive (sometimes called "other than collision" or ... http://floridainsuranceguy.com/2008/12/full-coverage/ Q. What is this "stacked" coverage all about? A. Stacked coverage refers to Uninsured Motorist coverage. It does not apply to any other coverage on the policy. I've heard people think that "stacked" meant all of their coverage stacks. So first of all just remember that stacked or non-stacked only refers ... http://floridainsuranceguy.com/2008/12/stacked-vs-non-stacked/ Q. Why do I need liability insurance if Florida is a "No Fault" State? A. "No Fault" is something that is commonly misunderstood. In our state, the "No Fault" law only refers to the first $10,000 of injuries. After $10,000, you are responsible for any injuries you cause. If you damaged ... http://floridainsuranceguy.com/2008/12/no-fault/ Q - My mortgage company wants me to purchase "Hazard Insurance". What is that? A - "Hazard Insurance" is the mortgage industry's word for home or property insurance. The correct term for what they need it Homeowners Insurance. I get asked this question quite often. It's usually followed with the question, ... http://floridainsuranceguy.com/2008/12/hazard-insurance/ Does homeowners insurance cost more during hurricane season? No, an insurance company can not charge you more based on the time of year which you purchase insurance. To keep people from buying insurance only during hurricane season, most companies will not offer you a new policy if you do not currently ... http://floridainsuranceguy.com/2008/06/homeowners-insurance-and-hurricane-season/